7 Tips Guaranteed to Lower Car Insurance Costs in Munford

No one in their right mind looks forward to paying for car insurance, particularly when their premiums are through the roof. Companies like GEICO and Progressive continually hit you with TV and radio ads and it is difficult to sift through the bull and find the best price available.

Finding Car Insurance in Munford, TN

Most companies allow you to get pricing directly from their websites. Getting quotes is pretty easy as you just enter your coverage preferences into the quote form. When the form is submitted, the system will obtain credit information and your driving record and returns a price based on many factors. Online quotes makes comparing rates easy, but having to visit different websites and complete many quote forms is repetitive and time-consuming. Unfortunately, it is important to get many rate quotes in order to find a lower rate.

A quicker way to get multiple rate quotes is to use a quote form to get prices from a lot of companies. It's a real time-saver, eliminates form submissions, and makes quoting online a little more enjoyable. As soon as the form is sent, it is rated and you are able to buy your choice of the quotes returned. If you find a better price it's easy to complete the application and purchase coverage. The entire process takes less than 15 minutes and may save quite a bit of money.

To find out how much you're overpaying now, click here and submit the form. To compare your current rates, we recommend that you enter the limits and deductibles as shown on your current policy. This ensures you will receive a price comparison for similar insurance coverage.

More discounts equal less premium

Auto insurance companies don't always publicize all available discounts in a way that's easy to find, so we break down both the well known and also the lesser-known ways to save on car insurance. If you aren't receiving every discount you qualify for, you're paying more than you need to.

  • More Vehicles More Savings - Having multiple cars or trucks on the same car insurance policy can get a discount on all vehicles.
  • Auto/Home Discount - When you combine your home and auto insurance with the same insurance company you may earn 10% to 20% off each policy.
  • Seat Belts Save more than Lives - Buckling up and requiring all passengers to wear their seat belts can save 10% or more off the personal injury premium cost.
  • Federal Employees - Being employed by or retired from a federal job can earn a discount up to 10% depending on your company.
  • Braking Control Discount - Anti-lock brake equipped vehicles prevent accidents and qualify for as much as a 10% discount.
  • Accident Forgiveness - A handful of insurance companies allow you one accident before raising your premiums so long as you haven't had any claims for a certain period of time.
  • Good Student - A discount for being a good student can save 20 to 25%. This discount can apply up to age 25.

Keep in mind that many deductions do not apply to your bottom line cost. Some only reduce specific coverage prices like physical damage coverage or medical payments. So despite the fact that it appears you could get a free car insurance policy, it just doesn't work that way.

To see a list of insurers with the best car insurance discounts in Munford, click this link.

It's not one size fits all

When choosing adequate coverage for your vehicles, there really is not a "best" method to buy coverage. Your needs are not the same as everyone else's so this has to be addressed. Here are some questions about coverages that might point out if you might need an agent's assistance.

  • Am I covered when driving on a suspended license?
  • Am I covered when driving in Canada or Mexico?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Do I have coverage for damage caused while driving under the influence?
  • What is the difference between comprehensive and collision coverage?
  • Does my insurance cover a custom paint job?
  • Do I need to file an SR-22 for a DUI in Tennessee?

If it's difficult to answer those questions but a few of them apply, then you may want to think about talking to an agent. If you don't have a local agent, complete this form or go to this page to view a list of companies. It only takes a few minutes and you can get the answers you need.

Additional detailed information can be found at the Tennessee Department of Commerce and Insurance website. Visitors are able to report car insurance fraud, read consumer alerts, find a variety of consumer forms, and download brochures.