Tightwads Guide to Saving on White House Auto Insurance

I can't think of a single person who enjoys paying for auto insurance, in particular when they are paying too much.

Because you have many online and local companies to choose from, it is hard for the average consumer to pick the lowest price car insurance company.

It's important to take a look at other company's rates occasionally because insurance rates are constantly changing. Even if you think you had the lowest price a few years ago the chances are good that you can find a lower rate today. There is a lot of wrong information about auto insurance on the internet, so I'm going to show you some great ways to save money.

Don't pay full price with these discounts

Companies that sell car insurance don't always advertise all their discounts very well, so we researched both well-publicized and the more hidden savings tricks you should be using.

Bundle and Save - When you combine your home and auto insurance with the same insurance company you may earn up to 20% off your total premium.
Anti-theft Discount - Cars that have factory anti-theft systems are stolen less frequently and qualify for as much as a 10% discount.
Safety Course Discount - Completing a course in driver safety can save you 5% or more and easily recoup the cost of the course.
Air Bag Discount - Factory air bags or motorized seat belts can receive discounts up to 30%.
Save over 55 - Mature drivers may receive better auto insurance rates.

It's important to note that most discount credits are not given to your bottom line cost. Most cut the cost of specific coverages such as collision or personal injury protection. So when the math indicates all the discounts add up to a free policy, you're out of luck.

To see a list of companies with discount auto insurance rates in Tennessee, click here to view.

Finding Auto Insurance Deals in White House, TN

There are multiple methods to shop for auto insurance, and some are less time-consuming than others. You can waste a lot of time discussing policy coverages with insurance companies in White House, or you can utilize online quoting for quick rates.

Many insurance companies enroll in a system that enables customers to enter their coverage request one time, and every company then returns a price quote. This saves time by eliminating quotation requests to each individual auto insurance company.

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

The single downside to using this type of form is you cannot specify which carriers you want to price. If you would rather choose specific providers to compare rates, we have assembled a list of low cost auto insurance companies in Tennessee. Click here to view list.

It's up to you which method you use, but make absolute certain that you use apples-to-apples coverage limits with each company. If you compare differing limits it will be next to impossible to make an equal comparison in White House. Quoting even small variations in limits may cause a big price difference. And when quoting auto insurance, remember that obtaining a wide range of quotes gives you a better chance of getting better pricing.

White House Rates are Influenced by These Factors

An important part of buying insurance is that you know the different types of things that play a part in calculating the price you pay for auto insurance. When you know what positively or negatively influences your rates enables informed choices that may reward you with lower auto insurance prices.

Shown below are a partial list of the pieces auto insurance companies consider when setting rates.

Rural vs Urban Areas - Living in a rural area can be a good thing when insuring your vehicles. Drivers who live in large cities have much more traffic and longer commute times. Fewer drivers translates into fewer accidents as well as less vandalism and auto theft.
Discounts for multiple policies - Some insurers will give a discount to customers who buy several policies from them, otherwise known as a multi-policy discount. Even with this discount, you may still want to compare rates to ensure the best deal.
Extra add-on coverages are wasting money - There are quite a few additional coverages that you can buy on your auto insurance policy. Things like personal injury protection, towing coverage and term life insurance may be costing you every month. These coverages may sound good at first, but if they're wasting money remove them from your policy.
Traffic violations increase rates - Just one citation can boost insurance rates by twenty percent. Careful drivers receive lower rates than their less careful counterparts. Drivers who have dangerous citations like reckless driving, hit and run or driving under the influence may need to file a proof of financial responsibility form (SR-22) with their state DMV in order to prevent a license revocation.

Your personal situation dictates your coverage

When choosing the best auto insurance coverage for your vehicles, there really is no one size fits all plan. Each situation is unique so your insurance should reflect that Here are some questions about coverages that might point out whether or not you would benefit from an agent's advice.

What is the difference between comprehensive and collision coverage?
Does my personal auto insurance policy cover using my vehicle for business use?
Should I have combined single limit or split liability limits?
Can I rate high risk drivers on liability-only vehicles?
Should I rate my vehicle as pleasure use or commute?
Should I put collision coverage on all my vehicles?
Are there companies who specialize in insuring high-risk drivers?

If you're not sure about those questions then you might want to talk to a licensed insurance agent. If you don't have a local agent, complete this form or you can go here for a list of companies in your area.

The auto insurance bait and switch

Auto insurance companies such as GEICO, State Farm and Progressive consistently run ads in print and on television. They all seem to make an identical promise that you can save if you change to their company. But how can every company make almost identical claims?

All companies have a certain "appetite" for the driver that is profitable for them. For instance, a desirable insured could possibly be between 25 and 40, owns a home, and has a short commute. A driver who meets those qualifications gets the lowest rates and therefore will save a lot of money.

Potential insureds who don't measure up to this ideal profile will have to pay more money and ends up with the driver buying from a lower-cost company. The ads say "people who switch" not "everyone that quotes" save that much. That is how insurance companies can make the claims of big savings. Because of the profiling, drivers must get quotes from several different companies. It is impossible to predict which company will fit your personal profile best.

Shop smart and save

As you shop your coverage around, don't be tempted to reduce coverage to reduce premium. In many instances, an insured cut collision coverage and learned later that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to purchase plenty of coverage at an affordable rate.

Lower-priced auto insurance is attainable online and also from your neighborhood White House agents, so you should compare both to have the best chance of lowering rates. Some insurance providers may not provide the ability to get a quote online and most of the time these small, regional companies sell through independent agents.

For more Tennessee car insurance information

Additional detailed information is located at the Tennessee Department of Commerce and Insurance website. Tennessee consumers can view agent and company licensing information, read consumer alerts, discover disciplinary actions, and file complaints about a company.

Additional helpful sites include Wikipedia and this White House agent directory.