Tightwads Instructions on Saving on Mascot Car Insurance

No one in their right mind likes paying for car insurance, especially when their premiums are too high.

Lots of contend for your insurance dollar, and it can be difficult to compare rates to find the absolute lowest rate

It's important to check car insurance prices occasionally because rates are constantly changing. Just because you found the lowest price six months ago there may be better deals available now. Forget anything you know (or think you know) about car insurance because I'm going to let you in on the secrets to the quickest way to properly buy coverages while reducing your premium.

If you are paying for car insurance now, you will most likely be able to cut costs considerably using these techniques. Choosing the best insurance company for you in Mascot is not that difficult. Although Tennessee car owners do need to know the way companies sell online because it can help you find the best coverage.

Mascot car insurance quote

Don't pay full price with these discounts

Car insurance companies do not advertise every available discount in an easy-to-find place, so we researched some of the more common and also the lesser-known savings tricks you should be using.

  • Anti-lock Brake System - Vehicles with anti-lock braking systems can avoid accidents and qualify for as much as a 10% discount.
  • Theft Prevention System - Cars that have factory anti-theft systems can help prevent theft and earn discounts up to 10%.
  • Club Memberships - Belonging to certain professional organizations is a good way to get lower rates on your policy.
  • Safety Course Discount - Taking part in a driver safety course can save you 5% or more depending on where you live.
  • Discount for Swiching Early - Some companies give discounts for switching to them before your current policy expires. The savings is around 10%.
  • Good Student - Getting good grades can be rewarded with saving of up to 25%. Earning this discount can benefit you up until you turn 25.
  • E-sign - A handful of insurance companies will give a small break for buying your policy on their website.

A little note about advertised discounts, most discounts do not apply to your bottom line cost. Most only apply to specific coverage prices like comprehensive or collision. So even though it sounds like all those discounts means the company will pay you, you won't be that lucky.

For a list of providers with discount car insurance rates in Mascot, click here to view.

Finding Car Insurance Deals in Mascot, TN

There are multiple methods to shop for car insurance, but some are less labor-intensive and much quicker. You can waste hours discussing policy coverages with agents in Mascot, or you could use the internet to get pricing more quickly.

Most car insurance companies participate in an industry program that enables customers to enter their coverage request one time, and each participating company can give them a price for coverage. This saves time by eliminating quotation requests to each individual car insurance company.

To submit your quote information now, click here (opens in new window).

One minor caviat to doing it this way is you can't choose the companies you want to price. If you would rather choose specific insurance companies for rate comparison, we put together a list of companies who write car insurance in Tennessee. Click here to view list.

It's your choice how you get your quotes, but make absolute certain that you use the exact same quote information for each price quote. If you use mixed coverages you can't possibly truly determine the lowest rate in Mascot. Quoting even small variations in coverages can make a big difference in price. And when quoting car insurance, remember that quoting more will increase your chances of finding a better price.

Your personal situation dictates your coverage

When it comes to choosing the best car insurance coverage for your vehicles, there is no best way to insure your cars. Your needs are not the same as everyone else's so your insurance should reflect that Here are some questions about coverages that might point out whether or not you might need an agent's assistance.

  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Do I need special endorsements for business use of my vehicle?
  • Are rental cars covered under my policy?
  • Should I have combined single limit or split liability limits?
  • Does my car insurance cover rental cars?
  • Do I need to file an SR-22 for a DUI in Tennessee?
  • Does my personal policy cover me when driving my company car?

If you're not sure about those questions but one or more may apply to you, you might consider talking to an agent. To find an agent in your area, fill out this quick form or click here for a list of car insurance companies in your area.

Final considerations

As you restructure your insurance plan, you should never sacrifice coverage to reduce premiums. Too many times, an insured cut liability coverage limits only to discover later that they should have had better coverage. The aim is to buy enough coverage at the best price, not the least amount of coverage.

The cheapest car insurance can be sourced from both online companies and with local Mascot insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. Some insurance companies do not offer online quoting and many times these small, regional companies only sell through independent insurance agents.

We just showed you many tips how you can get a better price on car insurance. It's most important to understand that the more quotes you get, the better your comparison will be. You may even find the lowest rates come from a small mutual company. These companies may cover specific market segments cheaper as compared to the big name companies such as .