Lower Online Greenbrier Auto Insurance Prices With These Methods

If you've never shopped for auto insurance online, it's easy to get confused because of the huge number of auto insurance companies competing for business in Greenbrier.

It's important to shop coverage around periodically because insurance rates are constantly changing. Even if you think you had the lowest rates last year the chances are good that you can find a lower rate today. Starting now, forget anything you know (or think you know) about auto insurance because you're about to learn the tricks you need to know to find better rates and still maintain coverage.

The purpose of this article is to familiarize you with how to get online quotes and some tips to save money. If you currently have car insurance, you stand a good chance to be able to lower your premiums substantially using these methods. Nevertheless, Tennessee drivers do need to know the way insurance companies market insurance on the web and use this information to your advantage.

Save big with these discounts

The cost of insuring your cars can be expensive, buy you may qualify for discounts to help bring down the price. Larger premium reductions will be automatically applied when you purchase, but lesser-known reductions have to be asked for before being credited.

Discount for New Cars - Putting insurance coverage on a new car can be considerably cheaper compared to insuring an older model.
Passive Restraint Discount - Factory air bags or motorized seat belts can receive discounts of up to 25% or more.
Safety Course Discount - Taking a course in driver safety can save you 5% or more and easily recoup the cost of the course.
Anti-theft System - Anti-theft and alarm systems are stolen less frequently and will save you 10% or more.
Drive Less and Save - Low mileage vehicles can earn lower rates on the low mileage vehicles.
Lower Rates for Military - Having a deployed family member could be rewarded with lower premiums.
Federal Employees - Being employed by or retired from a federal job can earn a discount up to 10% with select insurance companies.
College Student - Children who attend school more than 100 miles from home and don't have a car may qualify for this discount.

Consumers should know that most credits do not apply to the entire policy premium. Most only apply to individual premiums such as liability, collision or medical payments. So even though they make it sound like you could get a free auto insurance policy, companies don't profit that way. Any qualifying discounts will help reduce your overall premium however.

To see a list of companies with discount auto insurance rates in Tennessee, follow this link.

Greenbrier Auto Insurance Comparisons

There are several ways of comparing rate quotes from different Greenbrier insurance companies. The best method to find competitive insurance rates is to use the internet to compare rates. This can be done in several different ways.

The best way to find low rates is to use a rate comparison form like this one (opens in new window). This method keeps you from doing separate quotation requests for each company. Just one form will get you price quotes from auto insurance companies with the best prices. This is by far the quickest method.
A less efficient way to get quotes online requires a visit to each company's website and fill out their own quote form. For examples sake, let's say you want to compare , and . You would have to take the time to go to each site to input your insurance information, which is why the first method is more popular. To view a list of companies in Greenbrier, click here.
The least efficient method of getting rate comparisons is driving to local Greenbrier insurance agencies. Shopping for auto insurance online has reduced the need for local agents unless you require the professional guidance of a licensed agent. You can, however, obtain prices from the web and still use a local agent.

It doesn't matter which method you choose, just be sure to compare apples-to-apples coverage limits for each comparison quote. If you use differing limits it will be impossible to determine the lowest rate in Greenbrier. Just a small difference in coverage limits may result in large price differences. Keep in mind that comparing more company's prices provides better odds of finding better pricing.

Tips to Get Lower Greenbrier Rates

An important part of buying insurance is that you know some of the elements that play a part in calculating the price you pay for auto insurance. When you know what positively or negatively determines base rates empowers consumers to make smart changes that may reward you with better auto insurance rates.

Shown below are a few of the "ingredients" used by your company to calculate rates.

Mature drivers pay less - Teen drivers in Tennessee have a tendency to be more careless behind the wheel so auto insurance rates are higher. Parents adding a youthful driver onto a policy can really hurt. Older drivers are viewed as being more responsible, tend to cause fewer accidents and receive fewer citations.
Traffic violations increase rates - Just one moving violation can bump up the cost by as much as thirty percent. Drivers who don't get tickets have lower premiums than their less careful counterparts. Drivers who have dangerous citations like DUI or reckless driving may need to file a SR-22 with their state DMV in order to prevent a license revocation.
Don't buy coverages you don't need - There are quite a few additional coverages that you can buy on your auto insurance policy. Things like roadside assistance, towing coverage and additional equipment coverage are examples of these. They may seem good when you first buy your policy, but now you might not need them so remove them from your policy.
Multiple policies with one company can save - Some companies will give a discount to customers who carry more than one policy, otherwise known as a multi-policy discount. If you currently are using one company, you still need to compare rates to verify if the discount is saving money.

But I don't know anything about car insurance

When choosing adequate coverage for your vehicles, there really is no one size fits all plan. Everyone's needs are different.

These are some specific questions may help highlight if your situation would benefit from professional advice.

Should I file a claim if it's only slightly more than my deductible?
Can I rate high risk drivers on liability-only vehicles?
Do I really need UM/UIM coverage?
Does my personal auto insurance policy cover using my vehicle for business use?
Is my dog or cat covered if injured in an accident?
Am I covered when delivering products for my home-based business?

If you don't know the answers to these questions then you might want to talk to an insurance agent. To find lower rates from a local agent, simply complete this short form.

Auto insurance ads bend the truth

Auto insurance companies such as Progressive, GEICO, Allstate and State Farm consistently run ads on TV and radio. They all seem to say the same thing of big savings if you change your coverage to them. But how can every company make almost identical claims?

Different companies have a certain "appetite" for the type of customer that is profitable for them. For example, a desirable insured could possibly be a mature driver, a clean driving record, and drives newer vehicles. A driver who fits that profile is entitled to the best price and most likely will save a lot of money.

Consumers who fall outside this ideal profile will have to pay higher prices which usually ends up with the driver buying from a lower-cost company. The ads state "customers that switch" not "people who quote" save that much money. That is how insurance companies can confidently claim big savings.

Because of the profiling, drivers must compare as many rates as you can. It is impossible to predict which company will give you the biggest savings.

Shop smart and save

When trying to cut insurance costs, do not reduce coverage to reduce premium. There are many occasions where someone dropped uninsured motorist or liability limits only to regret that it was a big mistake. Your aim should be to buy a smart amount of coverage at a price you can afford.

In this article, we presented a lot of tips how to compare auto insurance prices online. It's most important to understand that the more times you quote, the better chance you'll have of finding lower rates. Drivers may discover the best price on auto insurance is with a small local company.

Cost effective auto insurance is attainable online as well as from independent agents in Greenbrier, and you need to price shop both in order to have the best price selection to choose from. A few companies don't offer the ability to get a quote online and most of the time these regional insurance providers sell through independent agents.

Additional auto insurance information can be found on the Tennessee Department of Commerce and Insurance website located here. Tennessee consumers can read enforcement actions against agents and companies, file complaints about a company, and discover disciplinary actions.

Additional helpful sites include Auto Insurance 101 and this page where you can research Greenbrier insurance agents.