Free Guide to Saving Money on Whitwell Car Insurance Online

Are you sick and tired of paying out the nose each month for car insurance? You are no different than the majority of other car owners in Tennessee. Numerous battle for your business, so it's not easy to compare every to get the lowest price

It's important to price shop coverage once or twice a year due to the fact that insurance rates are constantly changing. Just because you had the best rates two years ago the chances are good that you can find a lower rate today. There is a lot of bad information regarding car insurance online but we're going to give you some great ways to save money.

If you have insurance now or are looking for a new policy, you can follow these tips to shop for the lowest rates while maintaining coverages. Buying car insurance in Whitwell is easy if you know what you're doing. Tennessee vehicle owners just need to know the most efficient way to get comparison rates online.

Save big with these discounts

Car insurance companies do not list every available discount in an easy-to-find place, so the following is a list of both the well known and the harder-to-find car insurance savings. If they aren't giving you every credit available, you're paying more than you need to.

Passive Restraints and Air Bags - Vehicles with factory air bags can get savings of more than 20%.
Military Discounts - Having a deployed family member could mean lower rates.
Good Students Pay Less - A discount for being a good student can be rewarded with saving of up to 25%. The good student discount can last until age 25.
Multi-car Discount - Insuring more than one vehicle on the same car insurance policy qualifies for this discount.
Senior Citizens - Mature drivers may qualify for a discount up to 10%.
Payment Discounts - If you pay your bill all at once instead of paying each month you could save 5% or more.
Save with a New Car - Adding a new car to your policy can be considerably cheaper due to better safety requirements for new cars.
No Claims - Claim-free drivers pay less compared to bad drivers.
Homeowners Pay Less - Being a homeowner may trigger a car insurance policy discount because owning a home demonstrates responsibility.
Use Seat Belts - Drivers who require all occupants to wear their seat belts can save up to 15% off the personal injury premium cost.

Drivers should understand that most of the big mark downs will not be given to the entire cost. Most only cut the price of certain insurance coverages like medical payments or collision. Just because it seems like all those discounts means the company will pay you, companies wouldn't make money that way.

To see a list of providers offering car insurance discounts in Whitwell, follow this link.

Fast and Easy Whitwell Car Insurance Quotes

Finding cheaper car insurance prices can be surprisingly simple. You just have to take a couple of minutes comparing rate quotes from different insurance companies. This is very easy and can be done in just a few minutes using one of these methods.

The best way consumers can make multiple comparisons is to use a rate comparison form click to view form in new window. This method eliminates the need for multiple quote forms to each individual car insurance company. Taking the time to complete one form will return quotes from multiple low-cost companies.
A slightly less efficient method to get quotes online is to take the time to go to each company website to complete their respective quote request forms. For sake of this example, let's say you want rates from , and . To find out each rate you need to spend time on each company's site and enter your information, and that's why the first method is more popular.

To view a list of companies in Whitwell, click here.

Whichever way you use, double check that you are using the exact same coverages and limits on every quote you get. If you enter different deductibles you will not be able to determine which rate is truly the best in Whitwell.

Learn How to Buy Car Insurance Cheaper

An important part of buying insurance is that you know some of the elements that go into determining the rates you pay for car insurance. Understanding what controls the rates you pay helps enable you to make changes that can help you get big savings.

Listed below are some of the items that factor into your rates.

Better credit scores mean better rates - Your credit score is a huge factor in your rate calculation. So if your credit score is lower than you'd like, you could pay less to insure your by repairing your credit. Consumers who have high credit ratings tend to be less risk to insure as compared to drivers with poor credit.
Safe vehicles cost less to insure - Vehicles with good safety scores are cheaper to insure. Safer cars have better occupant injury protection and any reduction in injury severity translates into fewer and smaller insurance claims and lower rates for you.
Bad driving skills means higher rates - Your driving record impacts your car insurance rates tremendously. Drivers with clean records tend to pay less for car insurance than bad drivers. Just one ticket may increase your cost by twenty percent. Drivers who get serious violations such as hit and run, DWI or reckless driving convictions may be required to file a SR-22 to the state department of motor vehicles in order to continue driving.
Low deductibles can be expensive - Physical damage insurance, termed comprehensive and collision coverage on your policy, protects your car from damage. Some examples of claims that would be covered would be running into the backend of another car, vandalism, and windstorm damage. Your deductibles are the amount of money you are willing to pay before a claim is paid by your company. The more expense the insured has to pay upfront, the less your company will charge you for insurance.
Are you male or female? - The statistics show that men are more aggressive behind the wheel. That doesn't necessarily mean that men are WORSE drivers than women. They both tend to get into accidents at a similar rate, but men cause more damage. Men also get cited for more serious violations like DUI and reckless driving. Teenage male drivers tend to get in the most accidents and therefore have the most expensive car insurance rates.
Special features that cut premiums - Driving a car with anti-theft technology or alarm system can save you a little every year. Anti-theft features such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder your car from being stolen.
Drive less and save money - The more miles you rack up on your car every year the higher your rates will be. The majority of insurers charge to insure your cars based on how the vehicle is used. Vehicles not used for work or commuting get more affordable rates than those used for commuting. Ask your agent if your car insurance policy is showing how each vehicle is driven.

Car insurance ads bend the truth

Consumers in Tennessee can't get away from ads for the lowest price auto insurance from companies such as State Farm and Allstate. All the ads say the same thing that you'll save big if you switch your policy.

How do they all claim to save you money? This is how they do it.

All the different companies can use profiling for the right customer that is profitable for them. A good example of a preferred risk might be between the ages of 30 and 50, has no tickets, and chooses high deductibles. Any driver who fits that profile will qualify for the lowest rates and most likely will cut their rates substantially.

Potential customers who fall outside the "perfect" profile will be charged a higher premium which usually ends up with the customer not buying. The ad wording is "drivers who switch" not "people who quote" save that kind of money. That's why companies can state the savings. That is why drivers must get as many comparisons as possible. You cannot predict the company that will give you the biggest savings.

And the best car insurance company is...

We just presented many ways to compare car insurance prices online. The key thing to remember is the more you quote, the more likely it is that you will get a better rate. You may even find the lowest rates come from a lesser-known regional company. These smaller insurers may only write in your state and offer lower rates than their larger competitors like .

Budget-conscious car insurance is available both online in addition to many Whitwell insurance agents, and you should compare price quotes from both to have the best rate selection. Some insurance companies do not provide the ability to get a quote online and many times these small insurance companies only sell through independent insurance agents.

More Tennessee car insurance information

More detailed Tennessee car insurance information can be read at the Tennessee Department of Commerce and Insurance website. Visitors are able to find out industry alerts, find disaster information, file complaints about a company, and report car insurance fraud.