Car Insurance in Mountain City - 9 Discounts to Save Money

Are you tired of being strong-armed each month for car insurance? You are in the same boat as millions of other consumers. Big companies like GEICO and Progressive continually hit you with ads and it is difficult to sift through the bull and effectively compare rates to find the best deal.

It's important to check car insurance prices before your policy renews since rates are constantly changing. Even if you got the best rates last year a different company probably has better rates today. You'll find quite a bit of inaccurate information about car insurance online, so I'm going to show you some great ways to find cheap car insurance.

If you have a current car insurance policy or need new coverage, you can learn to get lower rates while maintaining coverages. Finding the best rates in Mountain City is not that difficult. Tennessee consumers only need to know the most effective way to buy car insurance over the internet.

Are you getting all your discounts?

Companies that sell car insurance don't necessarily list all their discounts in a way that's easy to find, so the following is a list of both the well known and the harder-to-find discounts you could be receiving. If you aren't receiving every discount available, you are throwing money away.

  • Senior Citizens - If you qualify as a senior citizen, you may be able to get reduced rates.
  • Employee of Federal Government - Active or retired federal employment can save as much as 8% with select insurance companies.
  • Save with a New Car - Buying coverage on a new vehicle is cheaper since new cars are generally safer.
  • Bundle and Save - If you have multiple policies with one insurance company you will save up to 20% off your total premium.
  • Drivers Ed for Students - Make teen driver coverage more affordable by requiring them to complete a driver education course if it's offered in school.
  • Accident Free - Claim-free drivers pay less as compared to drivers who are more careless.
  • One Accident Forgiven - A handful of insurance companies will allow you to have one accident before your rates go up as long as you don't have any claims prior to the accident.
  • Good Students Pay Less - Performing well in school can get you a discount of up to 25%. The good student discount can last well after school through age 25.
  • Sign Online - Certain companies may give you up to $50 for buying your policy digitally online.

A little note about advertised discounts, some credits don't apply to the entire cost. A few only apply to the price of certain insurance coverages like liability, collision or medical payments. So even though it sounds like you can get free auto insurance, you won't be that lucky.

Mountain City car insurance comparison

How can Progressive, GEICO, Allstate and State Farm save drivers who switch?

Consumers in Tennessee get pounded daily by advertisements for the lowest price auto insurance by companies like Progressive, GEICO, Allstate and State Farm. They all seem to have a common claim about savings after switching to them.

How can each company claim to save you money? This is how they do it.

All companies can use profiling for the type of driver that earns them a profit. A good example of a desirable insured might be a mature driver, is a homeowner, and has great credit. Any new insured that hits that "sweet spot" receives the best rates and as a result will probably save when they switch companies.

Potential insureds who are not a match for the requirements will have to pay more money and this can result in the customer not buying. Company advertisements say "drivers who switch" not "everybody who quotes" save money. That's why companies can truthfully advertise the savings. Because of the profiling, drivers should get quotes from several different companies. It's just too difficult to predict the company that will give you the biggest savings.

Even more information can be read at the Tennessee Department of Commerce and Insurance website. Visitors are able to learn about insurance regulations, download brochures, file complaints about an insurance agent or broker, and view agent and company licensing information.

A tidy conclusion

As you prepare to switch companies, it's a bad idea to skimp on coverage in order to save money. There are many occasions where an accident victim reduced collision coverage and discovered at claim time that the small savings ended up costing them much more. Your aim should be to buy enough coverage for the lowest price.

We just covered a lot of ways to reduce car insurance prices online. The most important thing to understand is the more times you quote, the better your comparison will be. You may be surprised to find that the best price on car insurance is with a lesser-known regional company. Regional companies may cover specific market segments cheaper than the large multi-state companies such as .