Compare Tiptonville Car Insurance Prices With These Methods

Are you overwhelmed by the crazy number of car insurance companies in Tiptonville? You're not the only one! There are so many options that it can turn into more work than you anticipated to find the lowest price.

It's important to compare rates at least once a year due to the fact that insurance rates are constantly changing. If you had the best price a year ago the chances are good that you can find a lower rate today. Forget all the misinformation about car insurance because you're about to find out one of the easiest ways to buy cheaper car insurance.

If you have car insurance now, you will be able to lower your premiums substantially using these techniques. This article will tell you how to effectively get price quotes and some tricks to saving. Nevertheless, Tennessee consumers do need to know the way companies determine prices and apply this information to your search.

Don't pay full price with these discounts

Car insurance is not cheap, but there could be available discounts to help offset the cost. Certain discounts will be applied when you quote, but less common discounts must be specifically requested before you get the savings.

Anti-theft Discount - Vehicles with anti-theft systems help deter theft and therefore earn up to a 10% discount.
Low Mileage - Keeping the miles down can earn a substantially lower rate.
Drivers Ed for Students - Have your child take driver's ed class in high school.
Federal Government Employee - Being employed by or retired from a federal job can save as much as 8% with certain companies.
Resident Student - Youth drivers who attend school more than 100 miles from home without a vehicle on campus may be able to be covered for less.
Life Insurance Discount - Larger companies have better rates if you take out a life insurance policy as well.
Defensive Driving Course - Completing a defensive driving course could possibly earn you a 5% discount and easily recoup the cost of the course.
Homeowners Discount - Being a homeowner can save you money because of the fact that having a home is proof that your finances are in order.

Consumers should know that some of the credits will not apply the the whole policy. Most only reduce the price of certain insurance coverages like comprehensive or collision. Just because you may think it's possible to get free car insurance, companies don't profit that way. Any qualifying discounts will reduce your premiums.

To see a list of providers with the best car insurance discounts in Tiptonville, click here.

How to Compare Tiptonville Car Insurance Costs

There are multiple methods to compare car insurance prices and some are less labor-intensive and much quicker. You can waste a lot of time talking to agents in Tiptonville, or you can stay home and use the internet to get rate comparisons in just a few minutes.

Many insurance companies belong to an insurance system that enables customers to submit one quote, and each participating company can give them a price based on that information. This prevents consumers from doing quote forms to each individual car insurance company.

To submit your quote information now, click to open in new window.

One minor caviat to comparing rates this way is you can't choose which carriers you want to price. So if you want to select specific providers for rate comparison, we have a listing of the cheapest car insurance companies in Tennessee. View list of Tennessee insurance companies.

However you get your quotes, compare exactly the same deductibles and coverage limits on every quote you get. If the quotes have different values for each quote you will not be able to determine which rate is truly the best in Tiptonville. Slightly different coverage limits may result in a large different in cost. Just keep in mind that getting more free quotes will improve the odds of getting better pricing.

You have some control over your rates

An important part of buying insurance is that you know the factors that come into play when calculating the rates you pay for car insurance. Having a good understanding of what determines base rates enables informed choices that can help you get lower car insurance prices.

The list below includes a few of the "ingredients" car insurance companies consider when setting your rates.

How many coverages with the same company - The majority of insurance companies give discounts to insureds who buy several policies from them such as combining an auto and homeowners policy. This can amount to 10 percent or more. If you currently are using one company, it's in your best interest to compare rates to ensure the best deal. Consumers may find a better deal by buying car insurance from a different company.
Drive a safer car and pay less - Cars with high safety ratings get lower rates. Safer cars reduce injuries and any reduction in injury severity means lower claim amounts and more competitive rates for policyholders.
An active claims history can cost you - If you are a frequent claim filer, you can pretty much guarantee either a policy non-renewal or much higher rates. Insurance companies in Tennessee generally give cheaper rates to policyholders who are claim-free. Auto insurance is intended for the large, substantial claims.
Rates may be lower depending on your job - Occupations like lawyers, social workers and dentists tend to have the highest average rates in part from job stress and lengthy work days. Other jobs such as actors, historians and the unemployed receive lower rates.
Mature drivers pay less - Older insureds tend to be more responsible, tend to file fewer claims and tend to be better behind the wheel. Youthful drivers tend to get distracted easily when behind the wheel and because of this, their car insurance rates are much higher.
Drive less and save money - The more you drive in a year the higher your rates will be. Most insurance companies charge to insure your cars determined by how the vehicle is used. Cars left parked in the garage qualify for better rates as compared to vehicles used primarily for driving to work. Make sure your car insurance policy is rated on the correct driver usage.
Don't get talked into coverage you don't need - There are a lot of extra coverages you can purchase when buying car insurance. Insurance for personal injury protection, better glass coverage and term life insurance are some examples. They may seem good when talking to your agent, but if they're wasting money eliminate the coverages to reduce your premium.

The car insurance bait and switch

Companies like Allstate and Progressive regularly use ads in print and on television. All the ads have a common claim of big savings if you move to their company. How can each company claim to save you money? This is how they do it.

All companies are able to cherry pick for the driver that is profitable for them. For example, a preferred risk might be between the ages of 30 and 50, has no tickets, and has excellent credit. Any driver that hits that "sweet spot" will get the preferred rates and therefore will save when they switch companies.

Drivers who don't measure up to the requirements will be charged a higher premium and this can result in the customer not buying. The ads state "drivers who switch" not "everyone that quotes" save that much. That's the way insurance companies can confidently make those claims.

That is why drivers must quote coverage with many companies. You cannot predict which car insurance company will have the lowest rates.

Do the work, save more money

While you're price shopping online, it's a bad idea to reduce coverage to reduce premium. Too many times, an insured dropped physical damage coverage only to discover later they didn't purchase enough coverage. The aim is to get the best coverage possible for the lowest price, not the least amount of coverage.

Cost effective car insurance is possible both online and also from your neighborhood Tiptonville agents, and you should compare price quotes from both to have the best selection. Some companies may not provide the ability to get a quote online and many times these regional insurance providers only sell through independent insurance agents.

Drivers who switch companies do it for any number of reasons including policy non-renewal, delays in responding to claim requests, extreme rates for teen drivers or high rates after DUI convictions. Regardless of your reason, switching car insurance companies is actually quite simple.

Additional car insurance information can be found on the Tennessee Department of Commerce and Insurance website. Click here for link. Visitors are able to read consumer alerts, find disaster information, and download brochures.