New Tazewell Car Insurance For Less Than You're Paying Now

Are you intimidated by the wide range of car insurance company choices in New Tazewell? Many other drivers are as well. People have so many choices that it can turn into a ton of work to find lower rates.

It's important to compare rates every six months because rates are constantly changing. Even if you got the best rates last year you will most likely find a better rate today. There is a lot of wrong information about car insurance online, so I'm going to show you some great ways to put money back in your pocket.

Locating affordable protection in New Tazewell can be fairly easy. If you have a current car insurance policy or need a new policy, you can learn to find better prices and still get good coverage. Tennessee consumers only need to know the tricks to buy car insurance over the internet.

Are you getting all your discounts?

The cost of insuring your cars can be expensive, but there could be available discounts to reduce the price significantly. Some discounts apply automatically when you purchase, but some may not be applied and must be asked for before being credited. If you don't get every credit possible, you are throwing money away.

  • 55 and Retired - If you qualify as a senior citizen, you may be able to get better car insurance rates.
  • Multiple Vehicles - Buying coverage for multiple vehicles on one policy may reduce the rate for each vehicle.
  • Bundle and Save - If you have multiple policies with one insurance company you may save 10% to 20% off each policy.
  • Early Switch Discount - Some insurance companies reward drivers for switching to them prior to your current policy expiring. It's a savings of about 10%.
  • Discount for Good Grades - Performing well in school can save 20 to 25%. The good student discount can last well after school through age 25.
  • Anti-lock Brake System - Cars that have steering control and anti-lock brakes can reduce accidents and therefore earn up to a 10% discount.
  • Payment Method - If you pay your entire premium ahead of time instead of monthly or quarterly installments you may reduce your total bill.

A little note about advertised discounts, most discount credits are not given to all coverage premiums. Some only reduce individual premiums such as liability, collision or medical payments. So even though it sounds like you could get a free car insurance policy, you won't be that lucky. Any amount of discount will help reduce the cost of coverage.

New Tazewell car insurance comparison

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

Consumers get pounded daily by advertisements that promise big savings by Progressive, GEICO, Allstate and State Farm. They all seem to make an identical promise about savings after switching to their company.

But how can every company make the same claim?

Different companies are able to cherry pick for the driver that earns them a profit. A good example of a desirable insured could be over the age of 50, has no driving citations, and drives newer vehicles. A customer who meets those qualifications will get very good rates and as a result will probably save a lot of money.

Consumers who are not a match for this ideal profile will have to pay higher prices and ends up with business going elsewhere. The ads say "customers that switch" not "everybody who quotes" save that much. That's the way companies can truthfully claim big savings.

Because of the profiling, you should compare many company's rates. Because you never know which car insurance company will give you the biggest savings.

Additional information can be read on the Tennessee Department of Commerce and Insurance website located here. Consumers can read enforcement actions against agents and companies, report car insurance fraud, and view agent and company licensing information.

Also read more on this Car Insurance FAQ and this page of insurance agents in New Tazewell.

Best coverage at the best price

When trying to cut insurance costs, don't be tempted to buy lower coverage limits just to save a few bucks. There are many occasions where someone sacrificed collision coverage and discovered at claim time that it was a big mistake. Your aim should be to find the BEST coverage at a price you can afford.

The cheapest car insurance can be purchased from both online companies and also from your neighborhood New Tazewell agents, and you should be comparing both in order to have the best price selection to choose from. A few companies may not provide you the ability to get quotes online and most of the time these small insurance companies sell through independent agents.

We just showed you some good ideas how you can reduce car insurance prices online. The most important thing to understand is the more times you quote, the better your comparison will be. Consumers may even find the biggest savings come from some of the lesser-known companies.