Tightwads Guide for Saving on Woodlawn Car Insurance

Are you sick and tired of scraping the payment together each month for car insurance? You are in the same boat as many other Tennessee drivers. Online insurance companies like GEICO and Progressive constantly bombard you with fancy advertisements and it is difficult to sift through the bull and effectively compare rates to find the best deal.

It's important to compare prices before your policy renews because rates are constantly changing. Just because you had the best rates six months ago there may be better deals available now. You'll find quite a bit of inaccurate information about car insurance online but I'm going to show you some great ways to stop overpaying for insurance.

Are you getting all your discounts?

Companies that sell car insurance don't list all their discounts in a way that's easy to find, so the following is a list of some of the more common and also the lesser-known discounts you could be receiving. If you aren't receiving every discount available, you're just leaving money on the table.

  • Homeowners Pay Less - Owning a house in Woodlawn can save you money because owning a home demonstrates responsibility.
  • Employee of Federal Government - Simply working for the federal government can save as much as 8% with select insurance companies.
  • Passive Restraints - Factory air bags can qualify for discounts of 20% or more.
  • Good Students Pay Less - Getting good grades can get you a discount of up to 25%. The good student discount can last until age 25.
  • 55 and Retired - Older drivers may qualify for a small decrease in premiums.
  • Defensive Driver - Completing a driver safety course could save 5% or more depending on where you live.

As a disclaimer on discounts, some credits don't apply to the entire cost. Most only cut specific coverage prices like liability, collision or medical payments. Just because it seems like you can get free auto insurance, car insurance companies aren't that generous.

For a list of companies offering car insurance discounts in Woodlawn, click here.

Comparison of Car Insurance in Woodlawn

Most major insurance companies provide price estimates online. The process is quite simple as you just type in as detailed in the form. Once entered, their rating system will obtain your credit score and driving record and generates pricing information determined by many factors. Online quotes streamlines rate comparisons, but the time it takes to visit different websites and fill out multiple forms can get tiresome after awhile. But it's very important to do this if you want to find the best price on car insurance.

Quote rates the easy way

A more efficient way to lower your car insurance bill utilizes a single form that gets price quotes from multiple companies. The form is fast, reduces the work, and makes price shopping online much more enjoyable and efficient. Once the form is submitted, it gets priced and you can choose your choice of the quotes that you receive. If you find a better price you simply finish the application and purchase the new policy. The whole process can be completed in a matter of minutes and you'll know if lower rates are available.

If you want to find out if lower rates are available, click here to open in new window and submit the form. If you have your current policy handy, we recommend you replicate the coverages identical to your current policy. This helps ensure you will get a price comparison based on identical coverages.

A tidy conclusion

Cheap car insurance is available from both online companies as well as from independent agents in Woodlawn, so you should be comparing quotes from both so you have a total pricing picture. Some insurance companies don't offer online quoting and most of the time these small insurance companies sell through independent agents.

We just showed you a lot of ways to get a better price on car insurance. The key thing to remember is the more rate comparisons you have, the more likely it is that you will get a better rate. Consumers could even find that the lowest priced car insurance comes from a small mutual company. These companies may have significantly lower rates on certain market segments than the large multi-state companies such as .