10 Discounts Maryville Drivers Forget when Quoting Car Insurance

Tired of not being able to afford each month for car insurance? Your situation is no different than the majority of other car owners in Tennessee.

You have so many to buy insurance from, and even though it's nice to be able to choose, lots of choices makes it harder to compare rates.

Buying car insurance in Maryville is quite easy. If you are paying for car insurance now, you stand a good chance to be able to cut costs considerably using these methods. Nevertheless, Tennessee consumers do need to know the way insurance companies determine prices because it can help you find the best coverage.

Save big with these ten discounts

Car insurance companies do not advertise every discount very clearly, so we researched both the well known as well as the least known car insurance savings.

  • No Claims - Claim-free drivers pay much less when compared to accident-prone drivers.
  • Drivers Education - Cut your cost by having your teen driver successfully complete driver's ed class in high school.
  • Pay Upfront and Save - If you pay your bill all at once instead of making monthly payments you could save 5% or more.
  • Distant Student - Children who are attending college without a vehicle on campus may qualify for this discount.
  • Save with a New Car - Putting insurance coverage on a new car can cost up to 25% less due to better safety requirements for new cars.
  • Defensive Driving Course - Taking part in a defensive driving course could save 5% or more if your company offers it.
  • More Vehicles More Savings - Insuring multiple cars or trucks with the same company may reduce the rate for each vehicle.
  • Homeowners Pay Less - Simply owning a home may trigger a car insurance policy discount because of the fact that having a home shows financial diligence.
  • Good Students Pay Less - This discount can be rewarded with saving of up to 25%. Earning this discount can benefit you up to age 25.
  • One Accident Forgiven - Certain companies will forgive one accident before hitting you with a surcharge if your claims history is clear for a particular time prior to the accident.

It's important to understand that most credits do not apply to the entire cost. Most only apply to individual premiums such as comp or med pay. So even though they make it sound like having all the discounts means you get insurance for free, it doesn't quite work that way.

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

Car insurance ads bend the truth

Car insurance providers like Progressive, Allstate and GEICO regularly use ads on TV and radio. They all say the same thing of big savings if you move your policy. How does each company claim to save you money?

All the different companies can use profiling for the right customer that makes them money. For instance, a driver they prefer might be a mature driver, has no tickets, and has a high credit rating. Any new insured who fits that profile is entitled to the best price and most likely will save when switching.

Consumers who fall outside these standards will be quoted higher rates which usually ends up with the customer not buying. Company advertisements say "customers that switch" not "people who quote" save that kind of money. That's why insurance companies can confidently state the savings. This emphasizes why you should get as many comparisons as possible. It's just too difficult to predict the company that will have the lowest rates.

More Tennessee car insurance information

More tips and info about car insurance is located at the Tennessee Department of Commerce and Insurance website. Visitors are able to read industry bulletins, download brochures, view a list of available companies, and read enforcement actions against agents and companies.

compare Maryville car insurance rates

Affordable insurance is out there

As you restructure your insurance plan, it's very important that you do not buy poor coverage just to save money. There are too many instances where an insured dropped liability coverage limits only to discover later that they should have had better coverage. Your strategy should be to buy enough coverage at a price you can afford while still protecting your assets.

Low-cost car insurance is possible both online in addition to many Maryville insurance agents, and you need to price shop both to get a complete price analysis. Some insurance companies do not provide online price quotes and these small, regional companies work with independent agents.