Free Guide to Spending Less for Seymour Car Insurance Online

Nobody I know looks forward to buying car insurance, especially when they are paying too much.

Consumers have many to buy insurance from, and even though it's nice to have multiple companies, it can be more difficult to compare rates.

More discounts equal less premium

Auto insurance companies do not list all available discounts very clearly, so the following is a list of some of the more common as well as the least known ways to save on car insurance.

  • Defensive Driver - Completing a driver safety course can save you 5% or more if you qualify.
  • Braking Control Discount - Cars that have steering control and anti-lock brakes are safer to drive and qualify for as much as a 10% discount.
  • Good Student - Performing well in school can get you a discount of up to 25%. The good student discount can last until age 25.
  • Student in College - Any of your kids living away from home attending college and do not have a car may be able to be covered for less.
  • Auto/Life Discount - Some companies give a discount if you purchase a life insurance policy as well.

Keep in mind that most discount credits are not given to your bottom line cost. The majority will only reduce individual premiums such as liability and collision coverage. So when it seems like it's possible to get free car insurance, it just doesn't work that way.

car insurance in Seymour

It's not one size fits all

When it comes to buying coverage for your vehicles, there isn't really a "perfect" insurance plan. Coverage needs to be tailored to your specific needs so this has to be addressed. Here are some questions about coverages that might point out if you could use an agent's help.

  • Do I really need UM/UIM coverage?
  • Does my insurance cover a custom paint job?
  • Do I need to file an SR-22 for a DUI in Tennessee?
  • What are Tennessee no-fault laws?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • What happens if I owe more than my vehicle is worth?
  • Am I covered when delivering products for my home-based business?

If it's difficult to answer those questions but a few of them apply, you may need to chat with a licensed insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies.

Switch companies and save? Really?

21st Century, Allstate and State Farm constantly bombard you with ads in print and on television. All the companies make the same claim that you can save if you switch to their company. How does each company make the same claim?

All companies have a certain "appetite" for the driver that earns them a profit. A good example of a profitable customer could be over the age of 40, owns a home, and chooses high deductibles. Any new insured who matches those parameters gets the lowest rates and therefore will save when switching.

Potential customers who do not match these standards must pay higher prices which leads to business going elsewhere. Company advertisements say "customers that switch" not "everyone that quotes" save that much. That is how insurance companies can state the savings. This illustrates why you should quote coverage with many companies. It's just too difficult to predict which company will give you the biggest savings.

Additional detailed information can be read at the Tennessee Department of Commerce and Insurance website. Consumers can discover disciplinary actions, find out industry alerts, file complaints about a company, and read enforcement actions against agents and companies.

Seymour car insurance quote

Do the work, save more money

Affordable car insurance is available from both online companies and also from your neighborhood Seymour agents, and you need to comparison shop both so you have a total pricing picture. Some insurance companies may not provide you the ability to get quotes online and usually these small insurance companies provide coverage only through local independent agents.

When buying insurance coverage, it's very important that you do not buy lower coverage limits just to save a few bucks. There are a lot of situations where an insured cut collision coverage and discovered at claim time that their decision to reduce coverage ended up costing them more. The proper strategy is to buy the best coverage you can find at a price you can afford while not skimping on critical coverages.

You just learned some good ideas how to reduce car insurance prices online. The key thing to remember is the more companies you get rates for, the higher your chance of finding lower rates. Drivers may discover the lowest premiums are with the least-expected company. Regional companies can often insure niche markets at a lower cost as compared to the big name companies such as .