Car Insurance in Livingston, TN - 7 Tips to Save Money

Having to pay for overpriced car insurance can take a big chunk out of your checking account and make it impossible to make ends meet. Comparing price quotes is free, only takes a few minutes, and is a good way to cut your insurance bill.

Big companies like State Farm, Allstate, GEICO and Progressive continually hit you with fancy advertisements and it is challenging if not impossible to sift through the bull and effectively compare rates to find the best deal.

If you have car insurance now, you will most likely be able to reduce your rates substantially using these techniques. Choosing the best insurance company for you in Livingston is quite easy. Nevertheless, Tennessee consumers do need to know the way companies price insurance differently.

More discounts equal less premium

Companies offering auto insurance don't always list all available discounts in a way that's easy to find, so the following is a list of both the well known and also the lesser-known savings tricks you should be using.

Multiple Vehicles - Having multiple vehicles on one policy can get a discount on all vehicles.
Student in College - Kids in college living away from home attending college and do not have access to a covered vehicle may be able to be covered for less.
Save with a New Car - Putting insurance coverage on a new car is cheaper since new cars are generally safer.
Payment Method - If you pay your entire premium ahead of time instead of monthly or quarterly installments you could save 5% or more.
Own a Home - Owning a home in Livingston can help you save on car insurance due to the fact that maintaining a home demonstrates responsibility.
Anti-theft Discount - Cars that have factory anti-theft systems help deter theft and earn discounts up to 10%.
Clubs and Organizations - Being a member of a civic or occupational organization is a good way to get lower rates when buying car insurance.

It's important to understand that most discount credits are not given to the overall cost of the policy. Most only cut specific coverage prices like physical damage coverage or medical payments. So even though they make it sound like you can get free auto insurance, it doesn't quite work that way.

It's not one size fits all

When it comes to buying coverage for your personal vehicles, there really is not a "best" method to buy coverage. Your needs are not the same as everyone else's so your insurance should reflect that Here are some questions about coverages that may help you determine if you might need an agent's assistance.

Can I afford to buy a different vehicle if my vehicle is totaled?
Do I pay less if my vehicle is kept in my garage?
Who is covered when they drive my vehicle?
Are my tools covered if they get stolen from my vehicle?
Do I have any recourse if my insurance company denies a claim?
Does my policy cover my teen driver if they drive my company car?
Am I covered if I drive in a foreign country?
Do I need special endorsements for business use of my vehicle?

If you're not sure about those questions but a few of them apply, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, simply complete this short form or go to this page to view a list of companies.

Switch companies and save? Really?

Allstate, GEICO and Progressive continually stream ads in print and on television. All the companies make an identical promise of big savings after switching your policy. How can each company claim to save you money? It's all in the numbers.

All companies have a preferred profile for the right customer that earns them a profit. A good example of a profitable customer might be between the ages of 30 and 50, insures multiple vehicles, and drives less than 7,500 miles a year. Any new insured who meets those qualifications will qualify for the lowest rates and therefore will save when they switch companies.

Consumers who do not match the requirements must pay higher prices and ends up with the customer not buying. The ad wording is "customers who switch" not "everyone that quotes" save that kind of money. This is how insurance companies can confidently advertise the way they do. This illustrates why drivers should get as many quotes as possible. It's just too difficult to predict which insurance companies will provide you with the cheapest rates.

More tips and info about car insurance can be read at the Tennessee Department of Commerce and Insurance website. Visitors are able to report car insurance fraud, read enforcement actions against agents and companies, file complaints about an insurance agent or broker, and view a list of available companies.

The best insurance company isn't always the cheapest

Low-cost car insurance can be purchased both online in addition to many Livingston insurance agents, and you should compare price quotes from both in order to have the best price selection to choose from. Some car insurance companies do not provide you the ability to get quotes online and usually these small insurance companies provide coverage only through local independent agents.

When shopping online for car insurance, it's not a good idea to skimp on coverage in order to save money. In too many instances, drivers have reduced full coverage and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. Your focus should be to purchase a proper amount of coverage at the best price while not skimping on critical coverages.