6 Ways You Can Buy Car Insurance for Less in Sneedville

If you're new to shopping for car insurance online, it's easy to get confused due to the large number of car insurance companies all offering big savings in Sneedville.

If you have car insurance now, you stand a good chance to be able to save some money using these techniques. This article will familiarize you with how car insurance quotes work and some money-saving tips. Nevertheless, Tennessee consumers do need to know the way companies sell online and take advantage of how the system works.

Don't pay full price with these six discounts

Properly insuring your vehicles can get expensive, but there are discounts available that you may not know about. Certain discounts will be applied when you quote, but some must be inquired about before you get the savings.

  • Federal Employees - Active or retired federal employment can save as much as 8% with a few car insurance companies.
  • Good Student - Performing well in school can get you a discount of up to 25%. The discount lasts well after school through age 25.
  • Homeowners Savings - Simply owning a home may trigger a car insurance policy discount due to the fact that maintaining a home requires personal responsibility.
  • Payment Method - If you pay your bill all at once instead of monthly or quarterly installments you can actually save on your bill.
  • Multiple Policy Discount - If you have multiple policies with the same insurance company you may earn up to 20% off your total premium.
  • Air Bag Discount - Cars that have air bags or motorized seat belts can qualify for discounts of up to 25% or more.

It's important to understand that most credits do not apply to the entire policy premium. The majority will only reduce the cost of specific coverages such as comp or med pay. Just because it seems like it's possible to get free car insurance, it doesn't quite work that way. Any qualifying discounts will reduce your premiums.

Your personal situation dictates your coverage

When it comes to buying proper insurance coverage for your vehicles, there really is not a "best" method to buy coverage. Everyone's needs are different.

Here are some questions about coverages that may help highlight whether or not you might need an agent's assistance.

  • Am I covered if I drive in a foreign country?
  • Do I need to file an SR-22 for a DUI in Tennessee?
  • Does my policy cover my teen driver if they drive my company car?
  • Are my tools covered if they get stolen from my vehicle?
  • What are the best liability limits?
  • Should I drop comprehensive coverage on older vehicles?

If you don't know the answers to these questions but a few of them apply, then you may want to think about talking to an agent. To find an agent in your area, simply complete this short form.

The car insurance bait and switch

Car insurance providers like Progressive, Allstate and GEICO continually stream ads in print and on television. They all say the same thing of big savings after switching to them. How can each company claim to save you money?

All companies have a certain "appetite" for the type of driver that earns them a profit. An example of a driver they prefer might be between the ages of 30 and 50, a clean driving record, and has great credit. Any new insured who fits that profile gets the lowest rates and therefore will save when they switch companies.

Drivers who don't measure up to the requirements will be quoted a higher premium which usually ends up with the customer not buying. Company advertisements say "people who switch" not "everyone that quotes" save money. That is how insurance companies can confidently advertise the savings.

This emphasizes why you should get as many quotes as possible. It's just too difficult to predict which company will fit your personal profile best.

Additional car insurance information is available on the Tennessee Department of Commerce and Insurance website through this link. Visitors are able to download brochures, file complaints about a company, and get help finding coverage.

Tennessee car insurance

Affordable insurance is out there

Consumers change insurance companies for many reasons like extreme rates for teen drivers, poor customer service, an unsatisfactory settlement offer and even unfair underwriting practices. Regardless of your reason, finding the right car insurance provider is less work than it seems.

We just covered a lot of information how to reduce car insurance prices online. The most important thing to understand is the more price quotes you have, the more likely it is that you will get a better rate. You may be surprised to find that the lowest rates come from an unexpected company.

Low-cost car insurance can be sourced both online and with local Sneedville insurance agents, and you should compare price quotes from both to have the best selection. There are still a few companies who do not offer you the ability to get quotes online and these smaller companies work with independent agents.