Tightwads Instructions on Saving on Murfreesboro Auto Insurance

I can't think of anyone who cherishes buying auto insurance, especially knowing the cost is way too high.

Lots of contend for your business, and it can be difficult to compare rates to find the lowest price

It's important to compare prices periodically since insurance rates are constantly changing. If you had the best price last year the chances are good that you can find a lower rate today. Forget all the misinformation about auto insurance because I'm going to let you in on the secrets to one of the easiest ways to buy cheaper auto insurance.

If you have car insurance now, you will most likely be able to lower your premiums substantially using these techniques. Choosing the best insurance company for you in Murfreesboro is easy if you know what you're doing. But Tennessee vehicle owners do need to know the way companies determine prices and apply this information to your search.

Don't pay full price with these discounts

Companies that sell car insurance don't always advertise all their discounts in an easy-to-find place, so we took the time to find some of the best known and the harder-to-find savings tricks you should be using.

Accident Forgiveness - A few companies will allow you to have one accident before raising your premiums as long as you don't have any claims prior to the accident.
Passive Restraints and Air Bags - Factory air bags or motorized seat belts can get savings of more than 20%.
Pay Upfront and Save - If you pay your entire premium ahead of time instead of paying each month you could save up to 5%.
Memberships - Affiliation with certain professional organizations is a good way to get lower rates on auto insurance.
Drive Less and Save - Keeping the miles down can earn discounted rates on garaged vehicles.
Homeowners Savings - Owning a house in Murfreesboro can help you save on auto insurance because of the fact that having a home is proof that your finances are in order.
Seat Belts Save - Buckling up and requiring all passengers to buckle their seat belts could save 15% off the personal injury premium cost.
Claim Free - Good drivers with no accidents can save substantially as compared to bad drivers.
Sign Online - Certain companies give back up to $50 for buying a policy and signing up on their website.
Student Driver Training - Have your child complete a driver education course in high school.

Drivers should understand that most discounts do not apply to the entire policy premium. Most only cut the price of certain insurance coverages like liability, collision or medical payments. Just because you may think all the discounts add up to a free policy, companies wouldn't make money that way.

To see a list of companies with the best auto insurance discounts in Murfreesboro, click here to view.

Murfreesboro Auto Insurance Comparisons

There are multiple methods to shop for auto insurance, and some are less time-consuming than others. You can waste a lot of time talking to agents in Murfreesboro, or you can stay home and use the web to accomplish the same thing much quicker.

Many insurance companies belong to a marketplace that enables customers to submit their information once, and every company then gives them pricing based on the submitted data. This saves time by eliminating quote forms to each individual auto insurance company.

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

One minor caviat to using this type of form is you can't choose which carriers you want pricing from. So if you prefer to choose specific providers for rate comparison, we have a page of the cheapest auto insurance companies in Tennessee. View list of Tennessee insurance companies.

It's your choice how you get your quotes, but be sure to compare the exact same deductibles and coverage limits for every company. If you enter different values for each quote you will not be able to decipher which rate is best in Murfreesboro. Quoting even small variations in insurance coverages can result in a big premium difference. Keep in mind that comparing a large number of companies will enable you to find better pricing.

How to Lower your Auto Insurance Rates

An important part of buying insurance is that you know the different types of things that come into play when calculating auto insurance rates. Understanding what controls the rates you pay empowers consumers to make smart changes that may reward you with lower auto insurance prices.

The list below includes a few of the "ingredients" used by your company to calculate rates.

Sex matters - Statistics show that men are more aggressive behind the wheel. However, don't assume that women are BETTER drivers than men. Women and men cause accidents in similar percentages, but the males cause more damage and cost insurance companies more money. They also receive more costly citations like reckless driving and DUI.
Do you know you're credit rating? - Credit rating is a huge factor in determining your rates. People with high credit ratings tend to be more responsible than drivers who have lower credit scores. Therefore, if your credit can use some improvement, you could pay less to insure your by repairing your credit.
Lower rates with optional equipment - Owning a car with anti-theft technology or alarm system can save you a little every year. Anti-theft devices such as LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system can help prevent car theft.
Don't sacrifice liability coverage - The liability section of your policy is the coverage that protects you if ever a jury decides you are liable for personal injury or accident damage. Liability insurance provides for a legal defense starting from day one. This coverage is very inexpensive compared to insuring for physical damage coverage, so do not cut corners here.

Your personal situation dictates your coverage

When choosing the right insurance coverage for your vehicles, there is no one size fits all plan. Every insured's situation is different so your insurance should reflect that Here are some questions about coverages that may help highlight whether or not you might need an agent's assistance.

Does my policy cover me when driving someone else's vehicle?
Should I drop comprehensive coverage on older vehicles?
Do I have any recourse if my insurance company denies a claim?
Am I getting all the discounts available?
Are rental cars covered under my policy?
Is my vehicle covered for flood damage?

If you're not sure about those questions, you might consider talking to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form or you can go here for a list of companies in your area.

The auto insurance bait and switch

Auto insurance companies such as State Farm, GEICO and Progressive regularly use ads in print and on television. They all seem to make an identical promise that you'll save big if you move your coverage to them. How do they all say the same thing? This is how they do it.

All companies have a certain "appetite" for the type of customer that is profitable for them. For example, a desirable insured might be profiled as between the ages of 30 and 50, a clean driving record, and has great credit. A propective insured who meets those qualifications will qualify for the lowest rates and therefore will cut their rates substantially.

Potential insureds who don't measure up to the "perfect" profile will have to pay more money and ends up with business not being written. The ad wording is "drivers who switch" not "everyone that quotes" save that much money. That is how companies can advertise the savings. Because of the profiling, drivers must get quotes from several different companies. It's not possible to predict which company will give you the biggest savings.

Do the work, save more money

Budget-conscious auto insurance is possible on the web as well as from independent agents in Murfreesboro, and you should compare price quotes from both in order to have the best chance of saving money. There are still a few companies who don't offer the ability to get a quote online and most of the time these regional insurance providers sell through independent agents.

In this article, we covered many tips how you can compare auto insurance prices online. The key concept to understand is the more rate comparisons you have, the higher the chance of saving money. You may be surprised to find that the lowest rates come from a lesser-known regional company. These smaller insurers may only write in your state and offer lower rates as compared to the big name companies such as .

Additional Tennessee consumer information

More detailed Tennessee auto insurance information can be found at the Tennessee Department of Commerce and Insurance website. Tennessee drivers can learn about insurance regulations, find out industry alerts, view a list of available companies, and find out which companies have the most complaints.