10 Discounts Lenoir City Shoppers Forget when Comparing Car Insurance

Expensive car insurance can drain your savings account and force you to make sacrifices. Comparison shopping is a smart way to help make ends meet. Because you have many insurance companies to choose from, it can be impossible to find the lowest price car insurance company.

It's important to shop coverage around quite often since rates are constantly changing. If you had the lowest price a few years ago there is a good chance you can find better rates now. Block out anything you think you know about car insurance because you're about to learn one of the easiest ways to lower your rates without sacrificing coverage.

Free Quotes for Car Insurance in Lenoir City, Tennessee

Shopping for lower car insurance rates can take hours if you don't understand the easiest way. You can spend your afternoon discussing policy coverages with insurance agencies in Lenoir City, or you could save time and use online quoting to get the quickest rates.

Most of the larger companies are enrolled in a marketplace that allows shoppers to only type in their quote data once, and each company then gives them pricing determined by their information. This eliminates the need for quotation requests for each company you want a rate for.

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

One minor caviat to getting quotes like this is buyers cannot specifically choose which providers you want pricing from. So if you want to choose specific providers to request quotes from, we put together a list of car insurance companies in Tennessee. View list of Tennessee insurance companies.

It doesn't matter which method you choose, just make darn sure you compare apples-to-apples deductibles and coverage limits for every quote you compare. If your comparisons have different values for each quote it's not possible to determine the best price in Lenoir City.

How much can you save with these ten discounts?

Companies that sell car insurance don't always list all their discounts very well, so we researched some of the more common as well as the least known car insurance savings. If you don't get every credit you deserve, you are paying more than you should be.

Sign Online - Certain companies will give a small break for buying your policy online.
55 and Retired - If you're over the age of 55, you can possibly qualify for a small decrease in premiums.
Lower Rates for Military - Having a deployed family member can result in better rates.
Anti-lock Brake Discount - Vehicles equipped with ABS or steering control prevent accidents and will save you 10% or more.
Anti-theft Discount - Anti-theft and alarm systems are stolen less frequently and will save you 10% or more.
Defensive Driving Course - Completing a driver safety course could cut 5% off your bill if your company offers it.
Passive Restraint Discount - Factory air bags or automatic seat belts can receive discounts of 20% or more.
Claim Free - Drivers who don't have accidents pay much less as compared to accident-prone drivers.
More Vehicles More Savings - Buying insurance for multiple cars or trucks with the same company may reduce the rate for each vehicle.
College Student - Children who are attending college without a vehicle on campus can receive lower rates.

As a disclaimer on discounts, most credits do not apply to the overall cost of the policy. A few only apply to individual premiums such as liability, collision or medical payments. So even though they make it sound like all the discounts add up to a free policy, car insurance companies aren't that generous.

To choose companies with the best car insurance discounts in Tennessee, follow this link.

Save 15 percent in 15 minutes? Is it for real?

Consumers can't ignore all the ads for car insurance savings from the likes of State Farm, GEICO and Progressive. They all seem to say the same thing about savings if you move your coverage to them.

But how can every company make the same claim?

All companies have a preferred profile for the type of customer that makes them money. For instance, a desirable insured could be between the ages of 40 and 55, insures multiple vehicles, and has a short commute. Any new insured who fits that profile receives the best rates and is almost guaranteed to save a lot of money.

Potential customers who don't meet this ideal profile will have to pay higher prices which usually ends up with business going elsewhere. Company advertisements say "customers that switch" but not "drivers who get quotes" save that much money. This is how companies can truthfully make the claims of big savings. Because of the profiling, you need to get quotes from several different companies. It's just too difficult to predict which insurance companies will fit your personal profile best.

How much car insurance do I need?

When buying the best car insurance coverage for your personal vehicles, there really is no "perfect" insurance plan. Coverage needs to be tailored to your specific needs and a cookie cutter policy won't apply. For example, these questions may help you determine if your insurance needs will benefit from professional help.

Does medical payments coverage apply to all occupants?
Should I buy additional glass protection?
Am I covered when pulling a rental trailer?
Can I get a multi-policy discount for packaging my home and auto coverage?
Does my personal auto insurance policy cover using my vehicle for business use?
Should I have combined single limit or split liability limits?
Should I drop comprehensive coverage on older vehicles?
Will I be non-renewed for getting a DUI or other conviction?

If you don't know the answers to these questions but a few of them apply then you might want to talk to an insurance agent. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It is quick, free and can help protect your family.

Even more information is located at the Tennessee Department of Commerce and Insurance website. Consumers can get help finding coverage, learn about insurance regulations, view a list of available companies, and find out industry alerts.

Other informative sites include this site for Tennessee car insurance information and see this list of insurance agents in Lenoir City.

In the end, you save

Cheap car insurance is possible from both online companies as well as from independent agents in Lenoir City, so you should be comparing quotes from both so you have a total pricing picture. Some insurance providers don't offer online price quotes and most of the time these small, regional companies sell through independent agents.

As you shop your coverage around, do not reduce coverage to reduce premium. In many cases, drivers have reduced liability coverage limits only to discover later that saving that couple of dollars actually costed them tens of thousands. Your aim should be to buy enough coverage at a price you can afford.