Easy Methods to Spend Less on Monteagle Car Insurance

If you are a novice to online car insurance shopping, it's easy to get confused by the hoards of car insurance companies competing for business in Monteagle.

It's important to shop coverage around periodically due to the fact that insurance rates are constantly changing. Just because you found the best price a year ago there is a good chance you can find better rates now. Forget anything you know (or think you know) about car insurance because you're about to find out the quickest way to get good coverage at a lower rate.

Tips to Get Lower Monteagle Rates

Consumers need to have an understanding of the factors that play a part in calculating the rates you pay for car insurance. Having a good understanding of what influences your rates empowers consumers to make smart changes that may reward you with much lower annual insurance costs.

Where you live - Living in small towns and rural areas can be a good thing when talking about car insurance. Less people living in that area means a lower chance of having an accident. Urban drivers have much more traffic to deal with and longer commutes to work. More time commuting translates into higher accident risk.
Bad driving skills means higher rates - Drivers who don't get tickets have lower premiums than their less careful counterparts. Even a single speeding ticket can bump up the cost twenty percent or more. Drivers who have dangerous citations like DUI or reckless driving may need to file a proof of financial responsibility form (SR-22) to the state department of motor vehicles in order to prevent a license revocation.
Do you have enough liability coverage? - Your policy's liability coverage is the coverage that protects you if ever you are found liable for personal injury or accident damage. Liability insurance provides for a legal defense which can be incredibly expensive. This coverage is very inexpensive as compared to coverage for physical damage, so do not skimp.
Do you work long hours in a high stress job? - Jobs such as lawyers, social workers and dentists have the highest average rates because of high stress and long work days. Other jobs such as scientists, historians and retirees get better rates.

Monteagle Car Insurance Comparisons

Performing a rate comparison can be exhausting if you don't understand the best way to get rate quotes. You can spend your afternoon talking to insurance agencies in Monteagle, or you could save time and use the internet to get rate comparisons in just a few minutes.

Most of the larger companies are enrolled in a marketplace that enables customers to submit their information once, and each company then returns a price quote based on that data. This prevents consumers from doing quote forms to each individual car insurance company.

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

One minor caviat to comparing rates this way is you are unable to specify which providers you want to price. So if you prefer to choose from a list of companies to compare, we have assembled a list of car insurance companies in Tennessee. Click here to view list.

However you get your quotes, be sure to compare exactly the same quote information on every quote you get. If you have mixed coverages it will be impossible to determine which rate is truly the best in Monteagle. Slightly different limits may result in large price differences. Keep in mind that comparing more company's prices will improve the odds of getting a better price.

Don't pay full price with these discounts

Companies that sell car insurance don't always publicize all their discounts in a way that's easy to find, so we took the time to find both the well known as well as the least known discounts you could be receiving.

Bundle and Save - If you insure your home and vehicles with the same insurance company you may earn at least 10% off all policies.
Good Student - This discount can earn a discount of 20% or more. This discount can apply up until you turn 25.
Organization Discounts - Being a member of a civic or occupational organization may earn a discount on car insurance.
Federal Employees - Employees or retirees of the government could cut as much as 10% off with select insurance companies.
Senior Citizens - If you're over the age of 55, you may receive a small decrease in premiums.

Keep in mind that some of the credits will not apply to the entire policy premium. Some only reduce individual premiums such as collision or personal injury protection. So even though it sounds like all the discounts add up to a free policy, it just doesn't work that way.

To choose companies with discount car insurance rates in Monteagle, click here.

The car insurance bait and switch

Car insurance companies such as GEICO, State Farm and Progressive consistently run ads in print and on television. They all seem to have a common claim that you can save if you change your coverage to them. How can each company claim to save you money?

Insurance companies have a certain "appetite" for the type of customer that makes them money. For example, a desirable insured might be a mature driver, a clean driving record, and has excellent credit. Any driver that hits that "sweet spot" will get very good rates and therefore will save when they switch companies.

Potential customers who don't measure up to the requirements will have to pay a higher premium and this can result in the customer not buying. The ads say "customers that switch" not "everyone that quotes" save that much money. That is how insurance companies can make those claims. Because of the profiling, you need to get quotes from several different companies. You cannot predict which company will have the lowest rates.

Your personal situation dictates your coverage

When buying the right insurance coverage for your vehicles, there really is not a perfect coverage plan. Everyone's needs are different.

Here are some questions about coverages that may help highlight whether or not you would benefit from professional advice.

What are the best liability limits?
Why am I required to buy high-risk coverage?
Do I qualify for additional discounts?
Why am I required to get a high-risk car insurance policy?
Should I buy additional glass protection?
Is my dog or cat covered if injured in an accident?

If you can't answer these questions but you know they apply to you, then you may want to think about talking to an insurance agent. If you don't have a local agent, complete this form.

Additional detailed information can be found at the Tennessee Department of Commerce and Insurance website. Visitors are able to view agent and company licensing information, file complaints about a company, and find out which companies have the most complaints.

Affordable insurance is out there

While you're price shopping online, it's a bad idea to reduce coverage to reduce premium. In many instances, someone dropped physical damage coverage only to discover later they didn't purchase enough coverage. The ultimate goal is to find the BEST coverage at a price you can afford.

We just presented a lot of techniques to compare car insurance prices online. It's most important to understand that the more rate quotes you have, the better your comparison will be. You may be surprised to find that the best price on car insurance is with a small local company.

Affordable car insurance can be sourced both online as well as from independent agents in Monteagle, and you need to price shop both to have the best rate selection. Some companies don't offer online price quotes and most of the time these regional insurance providers sell through independent agents.