Pikeville Auto Insurance For Less Than You're Paying Now

Finding lower premiums on Pikeville auto insurance is challenging for consumers not familiar with buying insurance online. Consumers have so many options available that it can turn into a lot of work to find the best price in Pikeville.

It's important to compare prices before your policy renews since insurance rates are constantly changing. Just because you had the best price two years ago there is a good chance you can find better rates now. Ignore everything you know about auto insurance because I'm going to let you in on the secrets to the proper way to buy cheaper auto insurance.

How to Lower your Auto Insurance Rates

Consumers need to have an understanding of some of the elements that go into determining auto insurance rates. Understanding what impacts premium levels empowers consumers to make smart changes that may reward you with better auto insurance rates.

Bump up deductibles to save - Physical damage insurance, termed comprehensive and collision coverage on your policy, is used to repair damage to your car. A few examples of covered claims are running into the backend of another car, collision with an animal, and windstorm damage. Your deductibles are how much you are willing to pay before a claim is paid by your company. The higher the amount you have to pay, the less your company will charge you for insurance.
You might want pay the small claims yourself - Car insurance companies in Tennessee provide better rates to insureds who do not file claims often. If you tend to file frequent claims, you can expect either higher rates or even cancellation. Car insurance is intended to be relied upon for major claims that would cause financial hardship.
Traffic citations inflate rates - Your driving citation history impacts your car insurance rates tremendously. Just one moving violation can bump up the cost by as much as thirty percent. Drivers who don't get tickets tend to pay less for car insurance than bad drivers. Drivers who have serious citations like DUI or reckless driving may need to file a SR-22 with the DMV in their state in order to continue driving.
Higher safety ratings means cheaper insurance - Safer cars are cheaper to insure. These vehicles protect occupants better and better occupant protection translates into fewer and smaller insurance claims and lower rates for you.
Lower rates with optional equipment - Driving a car with anti-theft technology or alarm system can save you a little every year. Anti-theft features like LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system all hinder your car from being stolen.
Big city or small town - Being located in a small town can be a good thing when buying auto insurance. Lower population means a lower chance of having an accident. Drivers who live in large Tennessee cities tend to have much more traffic to deal with and longer commute times. Longer commute distances means more change of being in an accident.
Liability coverage protects you - Liability insurance will protect you if ever a jury decides you are liable for personal injury or accident damage. It will provide for a legal defense up to the limits shown on your policy. This coverage is very inexpensive compared to physical damage coverage, so buy as much as you can afford.
Multi-policy discounts can save money - Most companies will give a discount to people who carry more than one policy. It's known as a multi-policy discount. This can amount to anywhere from five to ten percent in most cases. Even if you're getting this discount it's in your best interest to comparison shop to verify if the discount is saving money. You may still be able to find better rates by insuring with multiple companies.

Compare Pikeville Auto Insurance Costs

Reducing your insurance rates isn't really that difficult. Just invest a little time to compare rate quotes provided by online insurance companies. This is very easy and can be done in a couple of different ways.

The fastest way to compare a lot of rates at once is to use a rate comparison form click to view form in new window. This method saves time by eliminating multiple quote forms for each company. In just a few minutes this one form will return quotes from multiple low-cost companies. It's the fastest way to compare.
A less efficient way to compare rate quotes is to take the time to go to each individual company website to complete a price quote. For examples sake, let's assume you want rates from , and . You would have to take the time to go to each site and enter your information, and that's why the first method is more popular.

To view a list of companies in Pikeville, click here.

Whichever way you use, ensure you're using the exact same coverages and limits for every company. If you use different deductibles you will not be able to decipher which rate is best in Pikeville.

Take advantage of discounts

Auto insurance companies do not list 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 auto insurance savings. If they aren't giving you every credit available, you are paying more than you should be.

Homeowners Pay Less - Owning a house in Pikeville may trigger a auto insurance policy discount because owning a home is proof that your finances are in order.
Employee of Federal Government - Employees or retirees of the government can earn a discount up to 10% with select insurance companies.
Passive Restraints and Air Bags - Factory air bags can get savings of 20% or more.
Drive Less and Save - Driving fewer miles can earn lower rates on the low mileage vehicles.
Payment Discounts - If you pay your bill all at once instead of making monthly payments you could save up to 5%.
Multi-car Discount - Insuring more than one vehicle with the same company qualifies for this discount.

As a disclaimer on discounts, most of the big mark downs will not be given to the entire cost. Most only apply to the price of certain insurance coverages like liability, collision or medical payments. So when it seems like you would end up receiving a 100% discount, auto insurance companies aren't that generous.

To choose companies offering auto insurance discounts in Pikeville, follow this link.

Are auto insurance companies telling the truth?

Tennessee drivers can't ignore all the ads for the lowest price auto insurance from the likes of State Farm, GEICO and Progressive. They all seem to say the same thing about savings if you switch your coverage to them.

How do they all say the same thing? This is how they do it.

Different companies can use profiling for the type of customer that makes them money. For example, a desirable insured might be profiled as between 30 and 50, is a homeowner, and chooses high deductibles. A propective insured who fits that profile is entitled to the best price and most likely will cut their rates substantially.

Potential insureds who don't qualify for the "perfect" profile will have to pay more money which usually ends up with business not being written. The ads state "drivers who switch" not "people who quote" save that much money. That's why companies can truthfully state the savings. Because of the profiling, you need to quote coverage with many companies. It's not possible to predict the company that will give you the biggest savings.

Even more information can be found at the Tennessee Department of Commerce and Insurance website. Tennessee drivers can report car insurance fraud, download brochures, and file complaints about a company.

And the best car insurance company is...

Cheap auto insurance is available on the web as well as from independent agents in Pikeville, so compare prices from both in order to have the best chance of saving money. Some insurance companies don't offer online price quotes and most of the time these regional insurance providers sell through independent agents.

Consumers switch companies for any number of reasons including an unsatisfactory settlement offer, extreme rates for teen drivers, poor customer service or even delays in responding to claim requests. No matter why you want to switch, switching auto insurance companies is easier than you think.

In this article, we covered many ways to compare auto insurance prices online. The key thing to remember is the more rate comparisons you have, the higher your chance of finding lower rates. Drivers may discover the best prices are with a lesser-known regional company.