Car Insurance in Shelbyville, TN - 6 Tips to Save Money

Finding affordable Shelbyville car insurance on the internet can be impossible for beginners to buying insurance online. With so many choices of choices, how can you possibly compare every one to find the best available price?

Take advantage of discounts

Companies don't always list all available discounts in an easy-to-find place, so the following is a list of both the well known and also the lesser-known car insurance savings.

  • Multiple Vehicles - Insuring multiple vehicles on the same car insurance policy can get a discount on all vehicles.
  • Accident Waiver - A few companies allow you one accident before raising your premiums so long as you haven't had any claims for a set time period.
  • Discount for Life Insurance - Some companies give lower rates if you buy life insurance.
  • Driver Safety - Successfully completing a defensive driving course could cut 5% off your bill and easily recoup the cost of the course.
  • Paperless Signup - A few companies may give you up to $50 just for signing your application on their website.
  • Student in College - Children living away from home attending college and do not have access to a covered vehicle may qualify for this discount.

It's important to note that most credits do not apply to all coverage premiums. Most only apply to specific coverage prices like physical damage coverage or medical payments. So even though they make it sound like all the discounts add up to a free policy, you're out of luck.

To see a list of insurers who offer car insurance discounts in Shelbyville, follow this link.

How to Lower Your Car Insurance Cost in Shelbyville, Tennessee

There are several ways to get quotes from local Shelbyville car insurance companies. The best method to find the lowest rates involves getting comparison quotes online. This can be done in a couple of different ways.

  • The best way to compare a lot of rates at once is to use a rate comparison form (click to open form in new window). This method prevents you from having to do separate quotes for each company you want a rate for. One form submission gets rate comparisons instantly. It's the fastest way to compare.
  • A more time consuming way to compare rate quotes is spending the time to visit each individual company website to complete their respective quote request forms. For examples sake, we'll assume you want comparison quotes from , and . To get each rate you have to take the time to go to each site and enter your policy data, which is why the first method is quicker.

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

Which method you use is up to you, but ensure you are comparing the exact same information on every quote you get. If you use higher or lower deductibles you can't possibly determine which rate is truly the best in Shelbyville. Just a small difference in limits may cause a big price difference. Just remember that obtaining a wide range of quotes will increase your chances of finding the best price.

Are car insurance companies telling the truth?

Allstate, GEICO and Progressive continually stream ads on TV and radio. All the companies say the same thing that you can save after switching to their company. How do they all claim to save you money? It's all in the numbers.

Insurance companies have a preferred profile for the driver that is profitable for them. A good example of a profitable customer might be between the ages of 30 and 50, insures multiple vehicles, and drives less than 7,500 miles a year. Any new insured who fits that profile is entitled to the best price and most likely will cut their rates substantially.

Drivers who don't qualify for the "perfect" profile must pay a higher premium which usually ends up with the customer not buying. The ads state "customers who switch" not "people who quote" save that much. This is how insurance companies can advertise the way they do. This illustrates why drivers must get a wide range of price quotes. It's just too difficult to predict which insurance companies will provide you with the cheapest rates.

Final considerations

Lower-priced car insurance can be purchased both online and also from your neighborhood Shelbyville agents, and you should compare price quotes from both to have the best selection. Some car insurance companies may not provide the ability to get a quote online and usually these small insurance companies provide coverage only through local independent agents.

When shopping online for car insurance, you should never reduce coverage to reduce premium. In too many instances, drivers have reduced collision coverage and discovered at claim time that a couple dollars of savings turned into a financial nightmare. Your focus should be to buy a smart amount of coverage at the best price while not skimping on critical coverages.

Consumers change insurance companies for a variety of reasons including lack of trust in their agent, an unsatisfactory settlement offer, delays in paying claims or delays in responding to claim requests. No matter why you want to switch, finding a new car insurance company is actually quite simple.

For more Tennessee car insurance information

Additional detailed information can be read at the Tennessee Department of Commerce and Insurance website. Visitors are able to find out which companies have the most complaints, get help finding coverage, and file complaints about an insurance agent or broker.