Top 7 Ways to Save on Car Insurance in Tazewell, TN

Tired of not being able to afford each month for car insurance? Your situation is no different than many other Tennessee drivers.

Drivers have multiple to pick from, and even though it's nice to have a selection, it can be more challenging to compare rates.

Policy discounts you shouldn't miss

Insuring your fleet can be pricey, but you can get discounts to help bring down the price. Some discounts apply automatically at the time of quoting, but some may not be applied and must be specifically requested before you will receive the discount.

  • Drivers Education - Have your child successfully complete driver's ed class if offered at their school.
  • No Accidents - Claim-free drivers pay less when compared to bad drivers.
  • Safety Course Discount - Taking a driver safety course could save 5% or more and easily recoup the cost of the course.
  • Multiple Policy Discount - When you combine your home and auto insurance with one company you will save 10% to 20% off each policy.
  • Anti-theft System - Anti-theft and alarm systems prevent vehicle theft and qualify for as much as a 10% discount.
  • Homeowners Pay Less - Simply owning a home may trigger a car insurance policy discount because maintaining a house demonstrates responsibility.
  • Pay Now and Pay Less - If you pay your bill all at once instead of paying each month you may reduce your total bill.

As a disclaimer on discounts, most credits do not apply to the entire cost. Most cut the cost of specific coverages such as liability and collision coverage. So even though they make it sound like you would end up receiving a 100% discount, car insurance companies aren't that generous. Any amount of discount will bring down the amount you have to pay.

To see a list of insurance companies with discount car insurance rates in Tennessee, follow this link.

compare Tazewell car insurance rates

Cheap Tazewell Car Insurance Comparisons

The are a couple different ways to compare rate quotes and find the best price. The best method to find the cheapest insurance rates consists of shopping online. This can be done in several different ways.

  • The best way to compare a lot of rates at once is a comparison rater form click to view form in new window. This method saves time by eliminating repetitive form submissions for each company. In just a few minutes this one form will get you price quotes from multiple companies.
  • A different way to shop for car insurance online requires a visit to the website of each company to complete a price quote. For example, let's assume you want rates from , and . You would have to visit each site to input your insurance information, which is why most consumers use the first method. For a list of links to companies insuring cars in Tazewell, click here.

It doesn't matter which method you choose, just ensure you're using identical coverage limits with each company. If you compare differing limits it will be next to impossible to make an equal comparison in Tazewell. Just a small difference in coverages may cause a big price difference. And when price shopping your coverage, obtaining a wide range of quotes helps you find better pricing.

Save $429 a year? Really?

Car insurance providers like State Farm, Allstate and GEICO consistently run television and radio advertisements. They all say the same thing about savings if you change to their company. How does each company make the same claim?

Different companies can use profiling for the driver that is profitable for them. A good example of a driver they prefer could be over the age of 50, is a homeowner, and has excellent credit. Any new insured who fits that profile gets the lowest rates and is almost guaranteed to save when switching.

Potential insureds who don't qualify for these standards will be quoted more money which usually ends up with business going elsewhere. The ads say "people who switch" but not "drivers who get quotes" save that much. That's why companies can truthfully make those claims.

This emphasizes why drivers must quote coverage with many companies. It's just too difficult to predict the company that will have the lowest rates.

Affordable insurance is out there

Cheap car insurance is attainable from both online companies and also from your neighborhood Tazewell agents, and you should be comparing both to have the best chance of lowering rates. Some companies may not provide the ability to get a quote online and these small insurance companies work with independent agents.

While you're price shopping online, make sure you don't reduce coverage to reduce premium. There have been many situations where an accident victim reduced collision coverage and discovered at claim time they didn't purchase enough coverage. The proper strategy is to purchase plenty of coverage at an affordable rate while still protecting your assets.

Additional information can be read on the website for the Tennessee Department of Commerce and Insurance through this link. Consumers can download brochures, read industry bulletins, discover disciplinary actions, and view agent and company licensing information.

Additional helpful sites include this site for car insurance rates in Tennessee and this list of insurance agents in Tazewell, TN.