Easy Tips to Pay Less on Kingston Car Insurance

Are you intimidated by the number of car insurance companies in Kingston? Lot's of other consumers are too. People have so many choices that it can turn into a real hassle to find lower rates.

It's important to compare prices every six months because rates are constantly changing. Just because you found the best deal two years ago the chances are good that you can find a lower rate today. Starting right now, block out anything you think you know about car insurance because you're going to learn the only way to find lower rates on car insurance.

Don't pay full price with these discounts

Car insurance is not cheap, but discounts can save money and there are some available that you may not know about. Certain discounts will be triggered automatically when you quote, but lesser-known reductions have to be specially asked for prior to getting the savings.

Anti-theft Discount - Anti-theft and alarm systems are stolen less frequently and qualify for as much as a 10% discount.
Multiple Vehicles - Having multiple vehicles on the same car insurance policy could earn a price break for each car.
No Charge for an Accident - Some insurance companies permit an accident before raising your premiums if you are claim-free prior to the accident.
Anti-lock Brake Discount - Anti-lock brake equipped vehicles can reduce accidents and qualify for as much as a 10% discount.
Discount for Good Grades - A discount for being a good student can get you a discount of up to 25%. The discount lasts well after school through age 25.
Memberships - Belonging to a professional or civic organization could qualify you for a break on your policy.

A little note about advertised discounts, most credits do not apply to all coverage premiums. Some only reduce the cost of specific coverages such as comprehensive or collision. So even though it sounds like it's possible to get free car insurance, you won't be that lucky. Any amount of discount will help reduce your premiums.

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

How to Compare Car Insurance Quotes in Kingston, Tennessee

Effectively comparing car insurance prices can take hours if you aren't aware of the most efficient way to do it. You can waste a lot of time driving to insurance agencies in Kingston, or you can utilize the web to get the quickest rates.

Many insurance companies belong to a marketplace that enables customers to send in one quote, and each company can give them a price based on that data. This eliminates the need for repetitive form submissions to each individual car insurance company.

To submit your quote information now, click to open in new window.

The only drawback to comparing rates this way is buyers cannot specifically choose which carriers you want to price. If you prefer to choose specific providers to request quotes from, we put together a list of low cost car insurance companies in Tennessee. Click to view list.

It doesn't matter which method you choose, just ensure you are comparing apples-to-apples quote information on every quote you get. If you have mixed coverages it will be next to impossible to determine which rate is truly the best in Kingston. Just a small difference in coverages can result in a big premium difference. Just remember that comparing a large number of companies provides better odds of finding the best offered rates.

How to Lower your Car Insurance Rates

An important part of buying insurance is that you know some of the elements that help determine your car insurance rates. When you know what positively or negatively impacts premium levels empowers consumers to make smart changes that can help you get lower car insurance prices.

Multi-policy discounts can save money - Many companies give discounts to policyholders who buy several policies from them, otherwise known as a multi-policy discount. Even if you're getting this discount you may still want to compare rates to verify if the discount is saving money. You may still find a better deal by insuring with multiple companies.
Liability coverage is cheap - Liability coverage provides coverage in the event that you are found to be at fault for personal injury or accident damage. Liability insurance provides legal defense coverage starting from day one. Liability is cheap when compared with rates for comp and collision, so buy as much as you can afford.
Women pay lower rates - Statistics demonstrate women tend to be less risk to insure than men. However, this does not mean women are BETTER drivers than men. Women and men cause accidents at about the same rate, but men have costlier accidents. Men also get cited for more serious violations such as reckless driving. Youthful male drivers are several times more likely to be in an accident and therefore have the most expensive car insurance rates.
Do you know you're credit rating? - Your credit history is a large factor in calculating your car insurance rates. Therefore, if your credit rating is not that good, you could pay less to insure your by improving your rating. People with excellent credit tend to be more responsible than drivers who have lower credit scores.
How's your driving record? - Your driving record has a big impact on rates. Drivers who don't get tickets receive lower rates compared to drivers with tickets. Just one moving violation can bump up the cost forty percent or more. Drivers who get flagrant violations such as DUI or reckless driving may be required to file a proof of financial responsibility form (SR-22) with their state motor vehicle department in order to keep their license.
Do you know your deductibles? - Physical damage coverage, otherwise known as comp (or other than collision) and collision, protects your car from damage. A few examples of covered claims are colliding with a building, damage caused by hail, and burglary. Your deductibles are the amount of money you are required to spend in the event of a claim. The more money you have to pay, the less your car insurance will be.

The car insurance bait and switch

Companies like Allstate and Progressive continually stream ads in print and on television. All the ads say the same thing about savings after switching your coverage to them. But how can every company make the same claim?

All companies are able to cherry pick for the type of customer that is profitable for them. An example of a preferred risk could be between the ages of 40 and 55, has no driving citations, and chooses high deductibles. A customer who fits that profile will get very good rates and therefore will save a lot of money.

Potential customers who don't measure up to this ideal profile will be charged a higher premium which usually ends up with business going elsewhere. The ads say "people who switch" not "everyone that quotes" save that much money. That's the way companies can truthfully state the savings.

That is why drivers must get quotes from several different companies. Because you never know which car insurance company will give you the biggest savings.

The best insurance company isn't always the cheapest

When buying insurance coverage, do not reduce coverage to reduce premium. Too many times, someone sacrificed comprehensive coverage or liability limits to discover at claim time that their decision to reduce coverage ended up costing them more. The aim is to find the BEST coverage at an affordable rate, not the least amount of coverage.

Cheaper car insurance can be sourced from both online companies as well as from independent agents in Kingston, so you should be comparing quotes from both to have the best rate selection. Some insurance companies don't offer the ability to get a quote online and many times these smaller companies only sell through independent insurance agents.

We just showed you a lot of tips how to compare car insurance prices online. The most important thing to understand is the more quotes you get, the better your comparison will be. You may be surprised to find that the lowest priced car insurance comes from a company that doesn't do a lot of advertising.

Additional information is available on the Tennessee Department of Commerce and Insurance website through this link. Consumers can read consumer alerts, find out which companies have the most complaints, and learn about insurance regulations.

Additional helpful sites include BankRate.com's Car Insurance: When not to Skimp and this Kingston agent directory.