Ooltewah Car Insurance For Less Than You're Paying Now

Purchasing low-cost Ooltewah car insurance on the web can be rather challenging for consumers not familiar with online price comaprisons. Because there are so many online companies, how can you effectively compare every company to locate the best available rates?

Don't pay full price with these discounts

Companies offering auto insurance don't necessarily list every discount very clearly, so here is a list both the well known and the more hidden ways to save on car insurance.

Government Employees - Active or retired federal employment could cut as much as 10% off with a few car insurance companies.
Auto/Life Discount - Some companies give a discount if you purchase life insurance.
Distant Student - Any of your kids who live away from home and do not have access to a covered vehicle may be able to be covered for less.
Senior Citizens - If you qualify as a senior citizen, you may be able to get a small decrease in premiums.
Multiple Vehicles - Having multiple vehicles on one policy could earn a price break for each car.

It's important to note that many deductions do not apply to your bottom line cost. Most only apply to the cost of specific coverages such as comp or med pay. So despite the fact that it appears adding up those discounts means a free policy, you're out of luck.

Your personal situation dictates your coverage

When it comes to buying proper insurance coverage for your personal vehicles, there isn't really a perfect coverage plan. Each situation is unique.

Here are some questions about coverages that can help discover whether or not you might need an agent's assistance.

Do I have coverage for damage caused while driving under the influence?
When does my teenage driver need to be added to my policy?
Do I pay less if my vehicle is kept in my garage?
Am I covered by my employer's commercial auto policy when driving my personal car for business?
Am I covered when driving on a suspended license?
Who is covered when they drive my vehicle?
Is rental equipment covered for theft or damage?

If it's difficult to answer those questions but you know they apply to you, you may need to chat with an insurance agent. To find lower rates from a local agent, complete this form.

The car insurance bait and switch

Car insurance providers like Progressive, Allstate and GEICO continually stream ads in print and on television. They all make the same claim that you can save after switching your coverage to them. How does each company claim to save you money?

Insurance companies have a preferred profile for the type of customer that earns them a profit. An example of a driver they prefer might be between the ages of 30 and 50, has no prior claims, and has a short commute. Any driver who matches those parameters is entitled to the best price and therefore will save when switching.

Potential insureds who don't measure up to these standards will be quoted more money which leads to the customer not buying. The ads state "people who switch" not "everyone that quotes" save that much money. This is how insurance companies can make the claims of big savings. This emphasizes why you should get a wide range of price quotes. You cannot predict which insurance companies will fit your personal profile best.

Learn more about car insurance in Tennessee

Additional detailed information is available at the Tennessee Department of Commerce and Insurance website. Visitors are able to download brochures, view agent and company licensing information, and read enforcement actions against agents and companies.

Also read more on this online resource for car insurance quotes in Tennessee and this list of insurance agents in Ooltewah.

The best insurance company isn't always the cheapest

Insureds change insurance companies for many reasons like high rates after DUI convictions, delays in paying claims, not issuing a premium refund and even questionable increases in premium. Regardless of your reason, finding the right car insurance provider is less work than it seems.

As you shop your coverage around, make sure you don't buy lower coverage limits just to save a few bucks. There are too many instances where consumers will sacrifice comprehensive coverage or liability limits to discover at claim time that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to buy a smart amount of coverage at an affordable rate while still protecting your assets.

Lower-priced car insurance can be bought both online as well as from independent agents in Ooltewah, and you should compare price quotes from both to have the best chance of lowering rates. Some insurance providers don't offer you the ability to get quotes online and these smaller companies work with independent agents.