Comparison Shop Harrison Auto Insurance Prices With These Methods

Finding the lowest cost Harrison auto insurance on the web can be rather challenging for consumers not familiar with comparison shopping online. Because there are so many companies in the marketplace, how can you effectively compare every company to locate the best price?

It's important to take a look at other company's rates yearly because insurance rates are constantly changing. Even if you got the best price a few years ago you will most likely find a better rate today. Ignore everything you know about auto insurance because we're going to demonstrate the tricks you need to know to lower your rates without sacrificing coverage.

More discounts equal less premium

Companies offering auto insurance do not advertise every available discount very clearly, so we took the time to find both well-publicized as well as the least known ways to save on auto insurance.

Good Student Discount - Performing well in school can save 20 to 25%. This discount can apply well after school through age 25.
Auto/Life Discount - Some companies give a discount if you purchase life insurance from them.
E-sign - Some insurance companies will discount your bill up to fifty bucks just for signing your application over the internet.
Save over 55 - If you qualify as a senior citizen, you may be able to get better auto insurance rates.
Driver Safety - Taking a course in driver safety could cut 5% off your bill if you qualify.

It's important to note that most discount credits are not given to your bottom line cost. Some only apply to individual premiums such as medical payments or collision. Even though it may seem like you would end up receiving a 100% discount, you're out of luck.

It's not one size fits all

When it comes to buying the right insurance coverage for your personal vehicles, there isn't really a one size fits all plan. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that can help discover if you might need an agent's assistance.

Should I buy only the required Tennessee minimum liability coverage?
When does my teenage driver need to be added to my policy?
What are the financial responsibility laws in Tennessee?
Does my personal policy cover me when driving my company car?
Should I rate my vehicle as pleasure use or commute?
Should I buy additional glass protection?
What can I do if my company won't pay a claim?

If it's difficult to answer those questions, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, complete this form.

Switch companies and save? Really?

Companies like State Farm and Allstate continually stream ads in print and on television. All the ads make the same claim that you can save after switching to their company. How does each company make almost identical claims?

Different companies have a preferred profile for the driver that earns them a profit. For example, a preferred risk could possibly be between the ages of 30 and 50, has no prior claims, and has a short commute. A driver who matches those parameters will qualify for the lowest rates and therefore will save when switching.

Potential customers who do not match these standards will be charged a more expensive rate which leads to the driver buying from a lower-cost company. The ad wording is "customers that switch" not "everyone that quotes" save that much. This is how insurance companies can make the claims of big savings. That is why you should get a wide range of price quotes. It is impossible to predict which insurance companies will fit your personal profile best.

Additional detailed information can be found at the Tennessee Department of Commerce and Insurance website. Tennessee consumers can file complaints about a company, view agent and company licensing information, and file complaints about an insurance agent or broker.

Do the work, save more money

In this article, we presented some good ideas how to reduce auto insurance prices online. The most important thing to understand is the more you quote, the better your chances of lowering your rates. You may even discover the lowest rates come from the least-expected company.

As you shop your coverage around, never buy lower coverage limits just to save a few bucks. There have been many cases where consumers will sacrifice physical damage coverage only to discover later that saving that couple of dollars actually costed them tens of thousands. Your goal should be to get the best coverage possible at a price you can afford, not the least amount of coverage.

Lower-priced auto insurance can be purchased online and also from your neighborhood Harrison agents, and you should compare price quotes from both to have the best rate selection. Some insurance providers may not provide you the ability to get quotes online and many times these regional insurance providers only sell through independent insurance agents.