Proven Ways to Save on Huntingdon Auto Insurance

Did you fall for a flashy sales pitch and buy an underperforming, overpriced auto insurance policy? Believe me, there are a lot of people in Huntingdon just like you who feel imprisoned by their auto insurance policy. Online insurance companies like State Farm, Allstate, GEICO and Progressive all promote huge savings with TV and radio ads and it is challenging if not impossible to sift through the bull and effectively compare rates to find the best deal.

It's important to check auto insurance prices every six months since insurance rates are constantly changing. If you had the best rates a few years ago you can probably find a better price now. There is a lot of bad advice regarding auto insurance on the web, but we're going to give you some great ways to quit paying high auto insurance rates.

What determines how much you pay?

Consumers need to have an understanding of the rating factors that come into play when calculating auto insurance rates. Having a good understanding of what impacts premium levels allows you to make educated decisions that can help you get lower auto insurance prices.

The list below includes some of the items companies use to determine your rates.

A clean driving record saves money - Your driving record has a huge affect on how much you pay. Even a single ticket can increase rates forty percent or more. Good drivers tend to pay less for car insurance than people who have multiple driving citations. Drivers who get severe violations such as DWI, reckless driving or hit and run convictions may be required to file a SR-22 with the DMV in their state in order to drive a vehicle legally.
Liability coverage protects you - The liability section of your policy provides coverage in the event that a jury decides you are liable for damages from an accident. It will provide you with a defense in court starting from day one. Liability is cheap compared to insuring for physical damage coverage, so drivers should carry high limits.
Too many auto insurance claims drive up costs - Insurance companies in Tennessee give cheaper rates to insureds who file claims infrequently. If you tend to file frequent claims, you can definitely plan on higher rates. Auto insurance is intended to be relied upon for the large, substantial claims.
With age comes lower rates - Older insureds tend to be more responsible, tend to file fewer claims and receive fewer citations. Teenage drivers tend to be more careless when behind the wheel and because of this, their auto insurance rates are much higher.
Safer cars are cheaper to insure - Cars with high safety ratings tend to have better insurance rates. Safer cars result in less severe injuries and better occupant protection means lower claim amounts and more competitive rates for policyholders.
Drive less and save money - The more you drive in a year the higher your rates will be. Most companies price each vehicle's coverage based upon how you use the vehicle. Autos left parked in the garage get more affordable rates than those used for commuting. Make sure your auto insurance policy is rated on the correct driver usage.

Take advantage of discounts

Companies offering auto insurance don't always advertise every available discount in a way that's easy to find, so the following is a list of some of the best known and the harder-to-find ways to save on auto insurance. If you aren't receiving every discount possible, you are paying more than you should be.

Discount for Good Grades - This discount can get you a discount of up to 25%. The good student discount can last up to age 25.
Organization Discounts - Affiliation with a civic or occupational organization could trigger savings on your policy.
Drivers Ed for Students - Cut your cost by having your teen driver take driver's ed class in high school.
Federal Government Employee - Employees or retirees of the government can save as much as 8% with certain companies.
Resident Student - Any of your kids living away from home attending college without a vehicle on campus may qualify for this discount.
E-sign - Certain companies give back up to $50 for buying your policy digitally online.

As a disclaimer on discounts, most discount credits are not given to all coverage premiums. Some only reduce the price of certain insurance coverages like medical payments or collision. So even though they make it sound like you can get free auto insurance, auto insurance companies aren't that generous.

To choose providers with the best auto insurance discounts in Huntingdon, click this link.

Are auto insurance companies telling the truth?

Tennessee drivers can't ignore all the ads that promise big savings by companies like State Farm and Allstate. All the ads make the same claim about savings if you move to them.

How can each company say the same thing? This is how they do it.

All companies are able to cherry pick for the type of driver that makes them money. A good example of a preferred risk might be profiled as a mature driver, has no driving citations, and has a short commute. A propective insured who matches those parameters will get very good rates and most likely will save when they switch companies.

Consumers who don't qualify for the requirements will be charged higher rates which leads to business not being written. The ads say "drivers who switch" not "people who quote" save money. That's the way companies can truthfully make the claims of big savings. That is why you should get a wide range of price quotes. It's not possible to predict which auto insurance company will fit your personal profile best.

Even more information can be read at the Tennessee Department of Commerce and Insurance website. Tennessee drivers can file complaints about a company, find out which companies have the most complaints, download brochures, and read enforcement actions against agents and companies.

A tidy conclusion

Throughout this article, we presented some good ideas how to save on auto insurance. The key concept to understand is the more you quote, the better your chances of lowering your rates. You may even discover the best price on auto insurance is with a lesser-known regional company. Some small companies may have significantly lower rates on certain market segments than their larger competitors like .

Cheap auto insurance is possible on the web and with local Huntingdon insurance agents, and you need to price shop both to get a complete price analysis. Some insurance providers do not offer online price quotes and many times these small insurance companies only sell through independent insurance agents.