6 Shopping Tips Guaranteed to Slash the Cost of Car Insurance Costs in Silver Point

If online car insurance comparisons are new to you, it's easy to get confused by the sheer number of car insurance companies selling insurance in Silver Point.

It's important to do rate comparisons periodically since rates are constantly changing. If you had the best rates a couple years back there may be better deals available now. You can find a lot of misleading information regarding car insurance online but I'm going to show you some great ways to stop overpaying for insurance.

Locating the cheapest car insurance coverage in Silver Point can be fairly easy. In a nutshell, everyone who has to buy car insurance will be able to cut their insurance bill. Nevertheless, Tennessee consumers do need to know how big insurance companies market on the web.

Tennessee car insurance quotes

How much can you save with these six discounts?

The price of auto insurance can be rather high, but you may find discounts that can drop the cost substantially. A few discounts will automatically apply when you purchase, but some may not be applied and must be asked about before being credited.

  • Bundle and Save - When you have multiple policies with one company you may earn 10% to 20% off each policy.
  • Passive Restraints and Air Bags - Factory air bags or motorized seat belts can receive discounts of up to 25% or more.
  • Federal Employees - Simply working for the federal government can earn a discount up to 10% with select insurance companies.
  • Anti-lock Brakes - Vehicles with anti-lock braking systems prevent accidents and will save you 10% or more.
  • College Student - Youth drivers living away from home attending college without a vehicle on campus can receive lower rates.
  • Accident Free - Good drivers with no accidents pay less as compared to frequent claim filers.

Consumers should know that some credits don't apply to the entire policy premium. A few only apply to the price of certain insurance coverages like collision or personal injury protection. Just because it seems like you would end up receiving a 100% discount, companies don't profit that way. Any qualifying discounts will help reduce the amount you have to pay.

For a list of companies with the best car insurance discounts in Tennessee, click here.

Silver Point Car Insurance Comparisons

Shopping for lower car insurance rates can be a lot of work if you don't know the most efficient way. You can waste hours talking about coverages with local insurance agents in Silver Point, or you can stay home and use online quotes to get the quickest rates.

Most car insurance companies take part in a program that allows shoppers to submit their information once, and at least one company then returns a price quote determined by their information. This prevents consumers from doing quote requests for each company you want a rate for.

To submit your quote information now, click here (opens in new window).

The one disadvantage to getting quotes like this is that consumers can't choose the companies you want to price. So if you prefer to choose individual companies to request quotes from, we have a listing of the cheapest car insurance companies in Tennessee. View list of Tennessee insurance companies.

Whichever method you choose, be sure to compare apples-to-apples coverages for each comparison quote. If your comparisons have different limits and deductibles on each one you will not be able to determine the lowest rate in Silver Point. Slightly different coverage limits can mean a large discrepancy in price. Keep in mind that more quotes provides better odds of finding lower pricing.

How much car insurance do I need?

When it comes to choosing coverage for your vehicles, there really is no "best" method to buy coverage. Every insured's situation is different.

For example, these questions may help highlight if your insurance needs might need professional guidance.

  • What are the best liability limits?
  • Should I drop comprehensive coverage on older vehicles?
  • Am I covered if I drive in a foreign country?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • What is the difference between comprehensive and collision coverage?
  • Am I covered when driving in Canada or Mexico?

If you can't answer these questions but a few of them apply then you might want to talk to an agent. To find an agent in your area, simply complete this short form.

Shop smart and save

As you go through the steps to switch your coverage, do not sacrifice coverage to reduce premiums. In many instances, someone dropped collision coverage and discovered at claim time that the savings was not a smart move. The ultimate goal is to buy enough coverage for the lowest price.

We just covered a lot of ways to get a better price on car insurance. The key concept to understand is the more rate quotes you have, the more likely it is that you will get a better rate. Drivers may discover the best prices are with a lesser-known regional company.

Drivers who switch companies do it for any number of reasons including policy non-renewal, poor customer service, extreme rates for teen drivers and policy cancellation. It doesn't matter what your reason, switching car insurance companies is not as hard as you think.