Tightwads Tips for Saving on Sparta Car Insurance

I can't think of a single person who looks forward to buying car insurance, especially when they are paying too much.

You have multiple to buy insurance from, and though it is a good thing to have multiple companies, having more makes it harder to compare rates.

The purpose of this post is to introduce you to the most effective way to quote insurance and some money-saving tips. If you are paying for car insurance now, you stand a good chance to be able to reduce your rates substantially using this information. But Tennessee car owners do need to know the way companies determine prices.

How much can you save with discounts?

Insurance can cost an arm and a leg, but you may find discounts to help offset the cost. Certain discounts will be applied at the time of purchase, but some may not be applied and must be inquired about prior to receiving the credit.

More Vehicles More Savings - Buying insurance for multiple cars or trucks on one policy could earn a price break for each car.
Theft Prevention System - Anti-theft and alarm systems prevent vehicle theft and qualify for as much as a 10% discount.
Pay Upfront and Save - If you pay your bill all at once instead of monthly or quarterly installments you can actually save on your bill.
New Car Discount - Adding a new car to your policy is cheaper due to better safety requirements for new cars.
Sign Early and Save - A few companies offer discounts for switching to them prior to your current policy expiring. It can save you around 10%.
Clubs and Organizations - Belonging to a qualifying organization could qualify you for a break when buying car insurance.
Drivers Education - Make teen driver coverage more affordable by requiring them to enroll in driver's education in high school.
Military Rewards - Having a deployed family member can result in better rates.
Accident Free - Good drivers with no accidents pay less when compared with drivers who are more careless.
Homeowners Savings - Owning a home in Sparta may trigger a car insurance policy discount because of the fact that having a home demonstrates responsibility.

Drivers should understand that most credits do not apply to your bottom line cost. Most only cut the cost of specific coverages such as physical damage coverage or medical payments. Just because you may think having all the discounts means you get insurance for free, companies wouldn't make money that way. But all discounts will bring down the amount you have to pay.

How much car insurance do I need?

When it comes to buying coverage for your vehicles, there isn't really a best way to insure your cars. Each situation is unique and a cookie cutter policy won't apply. For example, these questions might point out if your insurance needs might need an agent's assistance.

Am I covered when driving on a suspended license?
Am I covered when renting a car or should I buy coverage from the car rental agency?
What can I do if my company won't pay a claim?
Should I file a claim if it's only slightly more than my deductible?
Does my car insurance cover rental cars?
Do I need special endorsements for business use of my vehicle?
Are rental cars covered under my policy?

If you don't know the answers to these questions but one or more may apply to you, you may need to chat with an agent. If you want to speak to an agent in your area, take a second and complete this form or go to this page to view a list of companies.

Save 15 percent in 15 minutes? Is it for real?

Allstate, GEICO and Progressive regularly use television and radio advertisements. All the companies say the same thing that you'll save big if you move to them. How does each company make the same claim?

All the different companies have a certain "appetite" for the type of driver that earns them a profit. A good example of a profitable customer could be between the ages of 30 and 50, owns a home, and has great credit. A customer who fits that profile will qualify for the lowest rates and is almost guaranteed to save when switching.

Potential customers who don't meet these standards must pay higher prices which usually ends up with business going elsewhere. The ad wording is "people who switch" but not "drivers who get quotes" save money. That is how companies can advertise the savings.

This illustrates why you should quote coverage with many companies. Because you never know which company will fit your personal profile best.

For more Tennessee car insurance information

Much more information about car insurance in Tennessee can be read on the website for the Tennessee Department of Commerce and Insurance through this link. Consumers can report car insurance fraud, read consumer alerts, view a list of available companies, and read enforcement actions against agents and companies.

The best insurance company isn't always the cheapest

Budget-conscious car insurance is possible from both online companies and with local Sparta insurance agents, and you should compare price quotes from both so you have a total pricing picture. There are still a few companies who do not offer you the ability to get quotes online and usually these small insurance companies provide coverage only through local independent agents.

When you buy insurance online, it's very important that you do not buy lower coverage limits just to save a few bucks. In too many instances, an insured cut collision coverage and discovered at claim time that the few dollars in savings costed them thousands. Your focus should be to purchase a proper amount of coverage at an affordable rate while not skimping on critical coverages.