Tightwads Guide for Saving on Joelton Car Insurance

Expensive car insurance can drain your savings account and make it impossible to make ends meet. Shopping your coverage around is a smart way to lower your monthly bill. Insurance companies such as State Farm, Allstate, GEICO and Progressive continually bombard you with catchy ads and it is difficult to sift through the bull and effectively compare rates to find the best deal.

It's important to compare prices yearly due to the fact that insurance rates are constantly changing. Even if you got the best price on your last policy the chances are good that you can find a lower rate today. Ignore everything you know about car insurance because you're about to find out the tricks you need to know to eliminate unnecessary coverages and save money.

More discounts equal less premium

Auto insurance companies don't always list every available discount in a way that's easy to find, so we took the time to find both the well known and also the lesser-known car insurance savings. If you aren't receiving every discount you deserve, you're paying more than you need to.

Good Student Discount - A discount for being a good student can get you a discount of up to 25%. This discount can apply well after school through age 25.
Discount for Life Insurance - Some companies give better rates if you take out a life insurance policy as well.
Save with a New Car - Insuring a new car can be considerably cheaper since new cars are generally safer.
Payment Method - If you pay your bill all at once instead of paying each month you could save up to 5%.
Senior Citizens - Mature drivers may be able to get a small decrease in premiums.

It's important to note that most of the big mark downs will not be given to your bottom line cost. Most only reduce specific coverage prices like medical payments or collision. Even though it may seem like it's possible to get free car insurance, you're out of luck.

To see a list of providers who offer car insurance discounts in Joelton, follow this link.

How to Get Cheap Car Insurance in Joelton, TN

Most companies allow you to get price estimates online. Obtaining pricing is quite simple as you simply enter your required coverages into the quote form. Once you submit the form, the system will obtain your credit score and driving record and gives you a price quote based on many factors. Online quotes streamlines rate comparisons, but the process of having to visit multiple sites and enter the same data into a form can get tiresome after awhile. Unfortunately, it is important to get many rate quotes in order to find a lower rate.

There is a better way!

The preferred way to compare car insurance pricing makes use of a single form that analyzes rates from multiple companies. It's a real time-saver, reduces the work, and makes price shopping online much easier to do. After sending your information, it is rated and you can select your choice of the price quotes you receive. If you find a better price you can click and sign and buy the policy. The entire process takes 15 minutes at the most and could lower your rates considerably.

In order to find out how much you're overpaying now, click here and submit your coverage information. If you currently have coverage, we recommend you enter coverages and limits exactly as shown on your declarations page. This makes sure you will get a rate comparison based on the exact same insurance coverage.

How to Lower your Car Insurance Rates

An important part of buying insurance is that you know some of the elements that help determine the rates you pay for car insurance. Having a good understanding of what influences your rates empowers consumers to make smart changes that can help you get lower car insurance prices.

Bad driving skills means higher rates - Drivers who don't get tickets get better rates compared to drivers with tickets. Just one speeding ticket can bump up the cost by as much as thirty percent. Drivers who get flagrant violations like DUI or reckless driving may be required to file a proof of financial responsibility form (SR-22) to the state department of motor vehicles in order to keep their license.
Rural vs Urban Areas - Residing in a rural area has it's advantages when talking about car insurance. Fewer people means a lower chance of having an accident. City drivers have congested traffic and longer commutes to work. More time commuting translates into higher accident risk.
Where do you drive? - Driving more miles in a year's time the higher your rates will be. Almost all companies charge to insure your cars based on their usage. Vehicles left parked in the garage qualify for better rates as compared to vehicles used primarily for driving to work. Make sure your car insurance coverage is rated on the proper vehicle usage.
Your car's features help determine rates - Purchasing a vehicle with a theft deterrent system can help bring down rates. Theft prevention features such as LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system all aid in stopping your car from being stolen.
Mature drivers pay less - More mature drivers tend to be more responsible, tend to file fewer claims and tend to be better behind the wheel. Youthful drivers are known to be less responsible when driving and because of this, their car insurance rates are much higher.

It's not one size fits all

When choosing the right insurance coverage for your personal vehicles, there really is not a perfect coverage plan. Every situation is different so your insurance needs to address that. Here are some questions about coverages that can help discover if you will benefit from professional help.

Should I buy only the required Tennessee minimum liability coverage?
When does my teenage driver need to be added to my policy?
Who is covered when they drive my vehicle?
What can I do if my company won't pay a claim?
Am I covered by my employer's commercial auto policy when driving my personal car for business?
Can I afford to buy a different vehicle if my vehicle is totaled?
Should I buy additional glass protection?

If you don't know the answers to these questions but you know they apply to you, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, complete this form or click here for a list of car insurance companies in your area. It only takes a few minutes and you can get the answers you need.

Switch companies and save? Really?

Consumers in Tennessee can't get away from ads for car insurance savings from the likes of State Farm and Allstate. All the ads say the same thing that you can save after switching your coverage to them.

How can each company claim to save you money? It's all in the numbers.

All companies have a preferred profile for the type of customer that is profitable for them. For example, a preferred risk might be between the ages of 40 and 55, has no prior claims, and has great credit. Any driver who fits that profile will get the preferred rates and therefore will save when they switch companies.

Potential customers who do not match the requirements will be charged higher prices which usually ends up with the customer not buying. The ads state "customers who switch" not "everyone that quotes" save that much money. This is how insurance companies can advertise the savings. That is why drivers must quote coverage with many companies. You cannot predict which insurance companies will fit your personal profile best.

A tidy conclusion

We just presented many ways to compare car insurance prices online. The most important thing to understand is the more you quote, the better your chances of lowering your rates. Drivers may discover the lowest priced car insurance comes from some of the smallest insurance companies. These smaller insurers often have lower prices on specific markets as compared to the big name companies such as .

When you buy insurance online, it's not a good idea to reduce coverage to reduce premium. There have been many cases where consumers will sacrifice physical damage coverage only to regret at claim time that the few dollars in savings costed them thousands. Your goal should be to get the best coverage possible at the best price, not the least amount of coverage.

Additional detailed information can be found at the Tennessee Department of Commerce and Insurance website. Visitors are able to file complaints about a company, view agent and company licensing information, file complaints about an insurance agent or broker, and view a list of available companies.