6 Ways You Can Buy Car Insurance for Less in Nashville

Beginners to buying insurance online might discover finding low-cost Nashville car insurance quite challenging.

This article will familiarize you with how car insurance quotes work and some money-saving tips. If you have car insurance now, you stand a good chance to be able to save some money using these methods. Although North Carolina car owners do need to know how companies sell online and take advantage of how the system works.

Take advantage of discounts

Insuring your fleet can be pricey, but you can get discounts that you may not know about. Some trigger automatically when you quote, but lesser-known reductions have to be manually applied before you get the savings.

  • Service Members Pay Less - Having a deployed family member may qualify for rate reductions.
  • Good Student - A discount for being a good student can get you a discount of up to 25%. The discount lasts well after school through age 25.
  • Paperwork-free - Certain companies will give a small break for buying your policy over the internet.
  • Distant Student - Children who live away from home and do not have access to a covered vehicle may qualify for this discount.
  • Anti-lock Brake Discount - Anti-lock brake equipped vehicles can reduce accidents and earn discounts up to 10%.
  • 55 and Retired - Mature drivers may be able to get better car insurance rates.

A little note about advertised discounts, most credits do not apply to the entire policy premium. Most cut individual premiums such as liability and collision coverage. So despite the fact that it appears it's possible to get free car insurance, you won't be that lucky. Any amount of discount will bring down your overall premium however.

To see a list of insurance companies who offer car insurance discounts in North Carolina, follow this link.

compare Nashville car insurance rates

Car Insurance Comparison Rates in Nashville, NC

There are several ways to compare rate quotes from different Nashville insurance companies. The best method to find the cheapest insurance rates is to perform an online rate comparison. This can be done using a couple different methods.

  • The best way to get quotes for comparison is to use a rate comparison form like this one (opens in new window). This method prevents you from having to do repetitive form entry for every car insurance company. Just one form gets you price quotes direct from many companies. Recommended for those who want to invest the least amount of time.
  • A different way to compare rate quotes requires visiting the website of each company to complete their respective quote request forms. For example, let's assume you want to compare , and . To get rate quotes you would need to visit each site and enter your policy data, which is why the first method is more popular. To view a list of companies in Nashville, click here.
  • The least efficient method to get comparison rates is driving around to different Nashville agent offices. Buying insurance online has reduced the need for local agents unless you require the trained guidance of a local Nashville agent. You can, however, obtain prices from the web and still use a local agent and we'll cover that in a bit.

It doesn't matter which method you choose, just be sure to compare identical quote information on every quote you get. If you compare mixed coverages it's not possible to determine which rate is truly the best in Nashville. Just a small difference in coverages may cause a big price difference. Keep in mind that obtaining a wide range of quotes helps locate the best offered rates.

How to know if you need help

When choosing proper insurance coverage for your vehicles, there isn't really a "perfect" insurance plan. Coverage needs to be tailored to your specific needs.

These are some specific questions may help highlight whether your personal situation would benefit from an agent's advice.

  • Do I have coverage when using my vehicle for my home business?
  • Do I need to file an SR-22 for a DUI in North Carolina?
  • Does medical payments coverage apply to all occupants?
  • What are North Carolina no-fault laws?
  • Do I need PIP (personal injury protection) coverage in North Carolina?
  • Am I covered by my employer's commercial auto policy when driving my personal car for business?

If you don't know the answers to these questions but a few of them apply, you may need to chat with a licensed insurance agent. If you don't have a local agent, fill out this quick form.

Are car insurance companies telling the truth?

Car insurance providers like State Farm, Allstate and GEICO continually stream ads on TV and radio. They all say the same thing about savings after switching to their company. How does each company make the same claim?

All companies have a certain "appetite" for the driver that is profitable for them. An example of a driver they prefer could be between 25 and 40, a clean driving record, and has a short commute. Any new insured who fits that profile gets the lowest rates and most likely will save when switching.

Drivers who don't qualify for these standards will be quoted a higher premium which usually ends up with business going elsewhere. The ads say "customers that switch" not "people who quote" save that much. That is how companies can truthfully make the claims of big savings.

This emphasizes why drivers must quote coverage with many companies. It's just too difficult to predict which company will fit your personal profile best.

The best insurance company isn't always the cheapest

Consumers change insurance companies for a number of reasons such as unfair underwriting practices, poor customer service, an unsatisfactory settlement offer or not issuing a premium refund. No matter why you want to switch, choosing a new insurance company is actually quite simple.

You just learned a lot of tips how to compare car insurance prices online. The most important thing to understand is the more providers you compare, the better likelihood of reducing your rate. Drivers may discover the most savings is with the least-expected company.

The cheapest car insurance can be sourced from both online companies and also from your neighborhood Nashville agents, so you should compare both to have the best selection. Some insurance providers may not provide the ability to get a quote online and these smaller companies work with independent agents.

North Carolina car insurance

Additional information is available on the North Carolina Department of Insurance website located here. Consumers can find disaster information, file complaints about a company, and get help finding coverage.