Top Ways to Save on Tennessee Ridge Car Insurance

Paying for high-priced car insurance can dwindle your savings account and force you to make sacrifices. Comparison shopping is a smart way to cut your insurance bill. Multiple compete for your business, and because of this it can be hard to compare to get the lowest price

It's important to shop coverage around quite often because rates are constantly changing. If you had the lowest price two years ago you will most likely find a better rate today. There is a lot of bad information regarding car insurance on the internet, so I'm going to show you some great ways to put money back in your pocket.

More discounts equal less premium

Companies that sell car insurance don't always list all their discounts in an easy-to-find place, so we researched some of the more common and also the lesser-known car insurance savings. If they aren't giving you every credit you deserve, you are throwing money away.

Discount for Life Insurance - Companies who offer life insurance give lower rates if you buy a life insurance policy as well.
55 and Retired - If you qualify as a senior citizen, you can possibly qualify for a small decrease in premiums.
Pay Upfront and Save - If you pay your bill all at once instead of monthly or quarterly installments you could save up to 5%.
Own a Home - Owning a house in Tennessee Ridge may trigger a car insurance policy discount because of the fact that having a home shows financial diligence.
Passive Restraints - Factory air bags or automatic seat belts can get savings of 20% or more.
Defensive Driving Course - Completing a driver safety course could cut 5% off your bill if you qualify.

A little note about advertised discounts, most credits do not apply to the overall cost of the policy. Most only reduce specific coverage prices like collision or personal injury protection. So when the math indicates you can get free auto insurance, you won't be that lucky.

It's not one size fits all

When it comes to buying the best car insurance coverage for your personal vehicles, there is no best way to insure your cars. Your needs are not the same as everyone else's and a cookie cutter policy won't apply. Here are some questions about coverages that may help you determine if you might need an agent's assistance.

When does my teenage driver need to be added to my policy?
Should I buy additional glass protection?
Do I have any recourse if my insurance company denies a claim?
When do I need to add a new car to my policy?
Can I rate high risk drivers on liability-only vehicles?
Should I have combined single limit or split liability limits?
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?

If you don't know the answers to these questions but one or more may apply to you, you might consider talking to an insurance agent. To find lower rates from a local agent, fill out this quick form or you can go here for a list of companies in your area. It's fast, doesn't cost anything and you can get the answers you need.

Switch companies and save? Really?

Consumers get pounded daily by advertisements for car insurance savings from the likes of GEICO, State Farm and Progressive. They all seem to say the same thing about savings if you move your coverage to them.

How do they all make the same claim? It's all in the numbers.

All companies have a preferred profile for the type of customer that earns them a profit. For instance, a desirable insured could be between the ages of 30 and 50, insures multiple vehicles, and chooses high deductibles. A customer who fits that profile will get the preferred rates and therefore will cut their rates substantially.

Potential insureds who do not match the "perfect" profile will have to pay more money which usually ends up with business going elsewhere. The ads state "customers who switch" not "everyone that quotes" save that much money. This is how companies can truthfully state the savings. Because of the profiling, you should get quotes from several different companies. Because you never know which insurance companies will give you the biggest savings.

Even more information is located at the Tennessee Department of Commerce and Insurance website. Consumers can view agent and company licensing information, learn about insurance regulations, view a list of available companies, and report car insurance fraud.

In the end, you save

When buying insurance coverage, never buy lower coverage limits just to save a few bucks. In many instances, drivers have reduced collision coverage and learned later that their decision to reduce coverage ended up costing them more. The ultimate goal is to get the best coverage possible at the best price.

We just showed you a lot of information how to reduce car insurance prices online. The key concept to understand is the more rate quotes you have, the more likely it is that you will get a better rate. Consumers could even find that the lowest rates come from a small mutual company. Regional companies may cover specific market segments cheaper as compared to the big name companies such as .