Cheap Auto Insurance Quotes for Teachers in Tennessee

You have most likely seen the captivating commercials from car insurance companies like Allstate and Progressive that promise enormous savings, so drivers should just pick one randomly, right?

Unfortunately, it’s just not that easy, as there are a whole bunch of unknown factors such as if you have ever let your policy lapse, if your vehicle is for work or personal use, the number of years you have been licensed, and if you own a home, that all influence how much you pay for auto insurance. If you keep reading, we will teach you about some of these criteria and educate you enough to have a good beginning to your search for cheaper coverage.

When shopping for cheaper car insurance for teachers and educators, one of the many considerations that play a part in determining the amount you pay each year for auto insurance is your address in Tennessee. Cities with larger populations or higher claims like Memphis, Germantown, and Jackson tend to pay slightly more, whereas areas with lower vehicle theft rates and fewer weather claims benefit from having to pay less for coverage.

The information below displays the most expensive places in Tennessee for teachers to buy auto insurance in.

Rate quotes are estimated as vehicle location can influence rates significantly.

The vehicle requiring insurance is one of the main factors when comparing cheap coverage for teachers. Vehicles with lots of speed or power, a lack of advanced safety features, or an increased likelihood of liability claims will cost significantly more to insure than safer models.

The information below presents car insurance rates for the most economical vehicles to buy insurance for.

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Tennessee minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, homeowner, and claim-free. Premium amounts do not factor in garaging location in Tennessee which can lower or raise rates noticeably.

Looking at the numbers, you can figure that models like the Honda CR-V, Subaru Forester, Ford Explorer, Ford Focus, and Ford Escape will definitely be some of the cheaper vehicles to insure for teachers and educators.

Buying low-cost car insurance is hard enough, and determining which company quotes the cheapest auto insurance rates for teachers requires even more shopping around. Coverage prices will probably be slightly less expensive than the state average attributed to the decrease in risk that comes with offering insurance for teachers and educators. Reasonable insurance should be available from a lot of different companies.
Every car insurance company has their own process to set policy rates, so let’s rank the auto insurance companies with the overall cheapest rates in Tennessee.

It’s important to understand that Tennessee auto insurance rates are influenced by many factors that will increase or decrease the price you have to pay. Simply having another birthday, buying higher coverage limits, or having an at-fault accident can trigger price changes that can cause some rates to be way too expensive in comparison to the competition.

Cheapest Insurance Rates for Educators

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google.charts.setOnLoadCallback(drawTNT5qcibChart);function drawTNT5qcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }], [‘Utica National’, 767, ‘#338FCF’], [‘Cincinnati Insurance’, 850, ‘#2A77AC’], [‘Auto-Owners’, 852, ‘#23638F’], [‘USAA’, 919, ‘#1D5277’], [‘Tennessee Farmers’, 933, ‘#184463’]]);var options = {title: ‘Low-Cost Auto Insurance Companies in Tennessee’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 300,’chartArea’: {left:0,top:50,’width’: ‘100%’, ‘height’: ‘70%’},bar: {groupWidth: “90%”},legend: {position: ‘none’},vAxis: {viewWindowMode:’explicit’,viewWindow:{max:1033,min:0}}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});var view = new google.visualization.DataView(data);view.setColumns([0, 1,{ calc: “stringify”,sourceColumn: 1,type: “string”,role: “annotation” },2]);formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.ColumnChart(document.getElementById(‘qcibt5cic’));chart.draw(view, options);}

Utica National generally has some of the most affordable car insurance rates in Tennessee at around $767 a year. Cincinnati Insurance, Auto-Owners, USAA, and Tennessee Farmers would also be considered some of the lowest-priced Tennessee insurance companies.

As illustrated above, if you are currently insured with Auto-Owners and switched to Utica National, you might see savings of about $85. Insureds with USAA could save as much as $152 a year, and Tennessee Farmers customers might reduce prices by as much as $166 a year.

Remember that these prices are averages for all drivers and vehicles in Tennessee and do not take into consideration a rate decrease for teachers. So the car insurance company that has the cheapest price for you may not even be featured in the rate chart shown above. That points out the importance of why you need to compare rates from as many companies as possible using your own personal information and vehicle type.

Discounts on cheap auto insurance for teachers in Tennessee

Insurance providers that provide policies for teachers may provide rate discounts that can reduce rates by 25% or more if you meet specific criteria. A list of auto insurance companies and some of the premium reductions they offer include:

The chart below illustrates the difference between premium costs with and without discounts being applied to the rates. The rates are based on a male driver, no accidents or driving violations, Tennessee state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows the average rate with no discounts. The second shows the rates with safe-driver, multiple policy, claim-free, homeowner, vehicle safety, and anti-theft discounts applied. When drivers take advantage of discounts, the average savings per year on auto insurance for teachers is % or $.

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