Top Ways to Save on Rogersville Auto Insurance

Nobody I know likes having to buy auto insurance, in particular when they are paying too much.

Since consumers have many online and local companies to choose from, it is hard for the average consumer to locate the lowest price car insurance company.

It's important to do rate comparisons periodically because insurance rates are constantly changing. If you had the lowest price on your last policy you will most likely find a better rate today. You can find a lot of misleading information regarding auto insurance on the internet, so I'm going to show you some great ways to put money back in your pocket.

Choosing the best insurance company for you in Rogersville is quite easy. If you are paying for car insurance now, you will most likely be able to cut costs considerably using these techniques. Nevertheless, Tennessee drivers do need to know the way companies determine prices because it can help you find the best coverage.

Don't pay full price with these discounts

Companies don't list all their discounts very well, so we researched both well-publicized as well as the least known savings tricks you should be using.

  • Accident Forgiveness - Some insurance companies will forgive one accident before your rates go up as long as you don't have any claims for a particular time prior to the accident.
  • Passive Restraint Discount - Factory air bags or motorized seat belts can receive discounts of up to 25% or more.
  • Military Rewards - Being on active duty in the military can result in better rates.
  • Theft Prevention System - Cars that have factory anti-theft systems are stolen less frequently and will save you 10% or more.
  • Defensive Driving Course - Taking part in a course in driver safety can save you 5% or more if you qualify.
  • More Vehicles More Savings - Having multiple cars or trucks on one policy may reduce the rate for each vehicle.
  • Pay Upfront and Save - If you pay your entire premium ahead of time instead of monthly or quarterly installments you can actually save on your bill.
  • Save over 55 - If you qualify as a senior citizen, you can possibly qualify for reduced rates.

Consumers should know that most discount credits are not given to the entire policy premium. Most only apply to individual premiums such as liability, collision or medical payments. So when the math indicates having all the discounts means you get insurance for free, companies don't profit that way.

Your personal situation dictates your coverage

When it comes to buying the best auto insurance coverage for your vehicles, there really is no one size fits all plan. Coverage needs to be tailored to your specific needs so your insurance should reflect that Here are some questions about coverages that may help highlight whether or not you might need an agent's assistance.

  • Does my policy cover me when driving someone else's vehicle?
  • Should I drop comprehensive coverage on older vehicles?
  • Am I covered when pulling a rental trailer?
  • Does my personal auto insurance policy cover using my vehicle for business use?
  • Do I really need UM/UIM coverage?
  • Do I need special endorsements for business use of my vehicle?

If you're not sure about those questions then you might want to talk to an agent. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area.

The auto insurance bait and switch

Auto insurance companies such as State Farm, GEICO and Progressive regularly use ads in print and on television. They all seem to make an identical promise of big savings if you move to them. But how can every company make almost identical claims?

All the different companies have a certain "appetite" for the type of driver that earns them a profit. For instance, a desirable insured could possibly be between the ages of 30 and 50, a clean driving record, and has great credit. A driver who meets those qualifications is entitled to the best price and therefore will save a lot of money.

Potential insureds who don't measure up to this ideal profile will have to pay more money and ends up with the driver buying from a lower-cost company. The ads state "customers that switch" not "everyone that quotes" save money. That is how insurance companies can confidently advertise the savings. Because of the profiling, you should compare many company's rates. It is impossible to predict which company will fit your personal profile best.

Additional Tennessee consumer information

More tips and info about auto insurance is located at the Tennessee Department of Commerce and Insurance website. Tennessee consumers can learn about insurance regulations, find out industry alerts, view a list of available companies, and read consumer alerts.

Also read more on this site for Tennessee auto insurance information and see this list of insurance agents in Rogersville.

Tennessee auto insurance

The best insurance company isn't always the cheapest

Cost effective auto insurance is possible online and with local Rogersville insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. There are still a few companies who do not offer you the ability to get quotes online and most of the time these small, regional companies sell through independent agents.

In this article, we presented some good ideas how you can reduce auto insurance prices online. The key concept to understand is the more rate comparisons you have, the more likely it is that you will get a better rate. Consumers may even find the lowest rates come from the least-expected company. Regional companies may often insure only within specific states and give getter rates as compared to the big name companies such as .