7 Tricks Guaranteed to Save on Car Insurance Costs in Puryear

Having to pay for overpriced car insurance can overdraw your savings account and force you to prioritize other expenses. Comparison shopping is free, only takes a few minutes, and is a good way to help make ends meet. Big companies like State Farm, Allstate, GEICO and Progressive persitently shower you with ad campaigns and it is difficult to sift through the bull and effectively compare rates to find the best deal.

If you are insured now or need new coverage, you can follow these tips to find better prices and still get good coverage. Finding affordable coverage in Puryear is not that difficult. Tennessee consumers only need to know the proper way to compare company rates online.

Be sure to get all your discounts

Auto insurance companies don't list every discount in a way that's easy to find, so we researched some of the more common as well as the least known savings tricks you should be using. If you aren't receiving every discount you deserve, you're paying more than you need to.

Pay Upfront and Save - If you pay your entire premium ahead of time instead of paying each month you may reduce your total bill.
New Car Discount - Buying coverage on a new vehicle can be considerably cheaper since new cars are generally safer.
No Accidents - Drivers who don't have accidents pay much less when compared to bad drivers.
Service Members Pay Less - Being on active duty in the military can result in better rates.
Anti-theft Discount - Cars that have factory anti-theft systems help deter theft and will save you 10% or more.
Accident Waiver - A handful of insurance companies will forgive one accident before raising your premiums if your claims history is clear prior to the accident.
More Vehicles More Savings - Buying insurance for multiple cars or trucks on the same car insurance policy may reduce the rate for each vehicle.

A little note about advertised discounts, most discount credits are not given to your bottom line cost. Most only apply to individual premiums such as liability and collision coverage. So even though they make it sound like it's possible to get free car insurance, you won't be that lucky.

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

How to Get Cheap Car Insurance in Puryear, TN

There are several ways to compare car insurance quotes, and some are less labor-intensive and much quicker. You can waste a lot of time discussing policy coverages with insurance companies in Puryear, or you could save time and use the web to get rates in a matter of minutes.

Many insurance companies enroll in a system that allows shoppers to enter their policy data once, and each participating company provides a quote for coverage. This saves time by eliminating quotation requests to each individual car insurance company.

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

One minor caviat to comparing rates this way is you cannot specify which carriers to get quotes from. If you wish to select specific providers to compare rates, we put together a list of car insurance companies in Tennessee. View list of Tennessee insurance companies.

It's up to you which method you use, but make sure you use exactly the same coverages on every quote you get. If you use different limits and deductibles on each one it will be impossible to determine which rate is truly the best in Puryear.

How do I know if I need professional advice?

When choosing the best car insurance coverage for your personal vehicles, there really is not a "perfect" insurance plan. Everyone's needs are different so your insurance should reflect that For example, these questions can help discover whether or not you would benefit from an agent's advice.

Are my tools covered if they get stolen from my vehicle?
Can I still get insurance after a DUI?
What companies insure drivers after a DUI or DWI?
Am I covered when pulling a rental trailer?
Do I need special endorsements for business use of my vehicle?
Does my policy cover me when driving someone else's vehicle?
Am I covered if I wreck a rental car?

If you're not sure about those questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier It only takes a few minutes and can help protect your family.

Is there truth in advertising?

Consumers can't get away from ads for car insurance savings by State Farm, Allstate and GEICO. They all make an identical promise about savings if you move to their company.

How can each company make the same claim?

All companies have a preferred profile for the driver that is profitable for them. For instance, a driver they prefer could be between 25 and 40, has no prior claims, and has great credit. Any new insured who meets those qualifications is entitled to the best price and is almost guaranteed to save when they switch companies.

Drivers who don't measure up to the requirements will be quoted a higher premium and ends up with business going elsewhere. Company advertisements say "customers that switch" but not "drivers who get quotes" save that much. This is how companies can truthfully advertise the savings. This emphasizes why drivers must quote coverage with many companies. It's just too difficult to predict which insurance companies will give you the biggest savings.

Best coverage at the best price

As you prepare to switch companies, it's not a good idea to reduce coverage to reduce premium. There have been many situations where consumers will sacrifice liability coverage limits only to discover later that the small savings ended up costing them much more. The proper strategy is to buy enough coverage at a price you can afford while still protecting your assets.

The cheapest car insurance is definitely available from both online companies and also from your neighborhood Puryear agents, so you should compare both to have the best selection. There are still a few companies who may not provide the ability to get a quote online and these small, regional companies work with independent agents.

Even more information is located at the Tennessee Department of Commerce and Insurance website. Consumers can view a list of available companies, file complaints about an insurance agent or broker, read industry bulletins, and read consumer alerts.