Proven Techniques to Save on Limestone Auto Insurance

Did you fall for a flashy sales pitch and buy overpriced auto insurance? Believe me, there are a lot of people in Limestone just like you who feel imprisoned by their auto insurance policy. Because you have many companies and agents to choose from, it is very difficult to choose the lowest cost company.

How to Compare Limestone Auto Insurance Costs

Most major insurance companies allow you to get coverage prices online. This process is pretty painless as you simply type in the coverage amounts you desire into the quote form. Behind the scenes, the system will obtain reports for credit and driving violations and returns a price based on these factors. This helps simplify price comparisons, but having to visit several different sites and type in the same information is repetitive and time-consuming. Unfortunately, it is important to perform this step in order to find a lower rate.

A less time-consuming method to find better auto insurance pricing uses one form to obtain quotes from a bunch of companies at once. It's a real time-saver, helps eliminate reptitive entry, and makes quoting online a little more enjoyable. Immediately after you send the form, it is rated and you are able to buy any or none of the returned quotes. If one or more price quotes are lower than your current rates, it's easy to complete the application and buy the new coverage. The entire process can be completed in a matter of minutes and may save quite a bit of money.

To find out how much you're overpaying now, click here and begin entering your coverage information. If you have coverage now, it's recommended you enter as shown on your current policy. This way, you will receive rate comparison quotes based on similar coverages.

Limestone Rates are Influenced by These Factors

It's important that you understand the different types of things that come into play when calculating the rates you pay for auto insurance. When you know what positively or negatively influences your rates enables informed choices that will entitle you to lower auto insurance prices.

The list below includes a partial list of the pieces auto insurance companies consider when setting prices.

Rates may be higher depending on your occupation - Careers like judges, business owners and stock brokers tend to have the highest rates in part from high stress and lengthy work days. On the other hand, jobs such as actors, students and the unemployed receive lower rates.
Safer cars are cheaper to insure - Cars with high safety ratings can get you lower premiums. The safest vehicles reduce injuries and any reduction in injury severity means lower claim amounts passed on to you as lower rates.
An active claims history can cost you - If you are a frequent claim filer, you can pretty much guarantee either a policy non-renewal or much higher rates. Companies in Tennessee award discounts to drivers who are claim-free. Auto insurance is intended for the large, substantial claims.
One company can mean more discounts - The majority of insurers provide better rates to insureds who buy several policies from them, otherwise known as a multi-policy discount. Even with this discount, it's in your best interest to shop around to ensure the best deal. Consumers may find a better deal by splitting coverages up.
Pay less after the wedding - Having a wife or husband actually saves money on your policy. Having a significant other means you're more mature it has been statistically shown that being married results in fewer claims.
Older drivers save more - Youthful drivers in Tennessee tend to be careless and easily distracted when behind the wheel so auto insurance rates are higher. Older insureds are more cautious drivers, tend to file fewer claims and tend to be better behind the wheel.
Men fork out a little more - Statistics demonstrate women tend to be less risk to insure than men. However, don't assume that men are worse drivers. Women and men cause accidents in similar numbers, but the men cause more damage and cost insurance companies more money. Men also statistically receive more costly citations like DUI and reckless driving.

More discounts equal less premium

Companies offering auto insurance don't always advertise every discount very well, so we researched both the well known and the harder-to-find savings tricks you should be using. If you don't get every credit possible, you're just leaving money on the table.

No Accidents - Drivers with accident-free driving histories pay much less when compared to frequent claim filers.
Service Members Pay Less - Being on active duty in the military can result in better rates.
Federal Government Employee - Simply working for the federal government can save as much as 8% with a few auto insurance companies.
Anti-theft Discount - Cars that have factory anti-theft systems are stolen less frequently and therefore earn up to a 10% discount.
Paperwork-free - Certain companies may give you up to $50 just for signing your application online.

Keep in mind that most discounts do not apply the the whole policy. Some only reduce the price of certain insurance coverages like comp or med pay. So even though it sounds like it's possible to get free car insurance, it just doesn't work that way.

For a list of insurance companies with the best auto insurance discounts in Tennessee, click here to view.

Additional detailed information is located at the Tennessee Department of Commerce and Insurance website. Visitors are able to read industry bulletins, find disaster information, download brochures, and read consumer alerts.

Other useful links include this online resource for auto insurance quotes in Tennessee and this list of insurance agents in Limestone.

Best coverage at the best price

Affordable auto insurance is definitely available both online and also from your neighborhood Limestone agents, and you should compare price quotes from both to have the best chance of lowering rates. Some auto insurance companies may not provide online quoting and these small, regional companies work with independent agents.

As you go through the steps to switch your coverage, do not reduce needed coverages to save money. There are too many instances where an insured dropped collision coverage and learned later that the savings was not a smart move. Your strategy should be to find the BEST coverage for the lowest price while still protecting your assets.