Cheapest Auto Insurance for Handicapped Drivers in Tennessee

You have surely seen all the catchy commercials from car insurance companies like Progressive and GEICO that make promises of dirt cheap rates, so you should just pick the one with the best commercial, right?

Unfortunately, it’s not that simple as there are many unknown factors such as your credit score, what level of deductibles you need, and if you are single or married, that all factor into the price you pay. This article goes into detail about the best ways to avoid paying too much and will give you a good beginning to your quest for cheaper car insurance in Tennessee.

Trying to buy cheap car insurance is easier said than done, and figuring out which company offers the cheapest auto insurance rates for handicapped drivers will take even more shopping around. Every insurance company uses their own method to establish rates, so let’s begin by examining the overall cheapest auto insurance companies in Tennessee.

It’s important to know that Tennessee auto insurance rates are based on many factors that may substantially change the policy premium. Improving your financial situation, having a teenage driver, or getting a few speeding tickets may generate price changes that can make some companies more expensive than others.

Find the Cheapest Auto Insurance in Tennessee

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Utica National normally has some of the lowest car insurance rates in Tennessee at around $744 per year. Auto-Owners, Cincinnati Insurance, Penn National, and USAA also qualify as some of the more affordable Tennessee insurance companies.

As illustrated above, if you have coverage with Cincinnati Insurance and switched to Utica National, you could earn yearly savings of approxmiately $132. Policyholders with Penn National could save as much as $155 a year, and USAA insureds might cut rates by $175 a year.

To find out how your current rates compare, click here to start your custom quote or visit any of the companies below.

These policy rates are averages for all types of drivers and the different vehicles they drive and do not factor in a rate decrease for handicapped drivers. So the company that fits your age and vehicle best may not even be in the company chart above. That points out the importance of why you need to compare as many prices as possible using your own personal information and vehicle type.

The car, truck, or SUV on the policy is one of the largest factors that determines if you can find the cheapest car insurance for handicapped drivers in Tennessee. Vehicles with high performance features, poor safety features, or a high likelihood of having liability claims will cost quite a bit more to insure than more modest models. The next list presents auto insurance premiums for a handful of the cheapest vehicles to buy coverage for.

Cost estimates assume single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Tennessee minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, claim-free, and multi-vehicle. Estimates do not factor in vehicle location which can lower or raise prices greatly.

By looking at the data, you can presume that makes and models like the Honda Accord, Ford Escape, and Subaru Forester are most likely to be the most affordable vehicles to insure for drivers with handicaps.

Full coverage rates compared to liability only

Finding the cheapest car insurance for handicapped drivers in Tennessee is the goal of most vehicle owners, and a good way to find cheap insurance is to not buy full coverage. The example below compares premium costs when comparing full coverage to liability only. The premiums are based on no accidents, no driving violations, $100 deductibles, single status, and no discounts are taken into consideration.

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If we average the cost for ages 20 through 70, physical damage coverage costs $2,220 per year more than just insuring for liability. Many drivers may wonder if buying full coverage is a good investment. There is no exact rule to stop paying for physical damage insurance, but there is a general guideline you can use. If the yearly cost of comp and collision coverage is more than 10% of the settlement you would receive from your company, then it might be time to consider dropping full coverage.

Finding the top insurance provider can be rather challenging considering how many companies are available to choose from in Tennessee. The ranking information shown next may help you decide which providers you want to consider buying from. These ratings are only made up of insurance companies that insure vehicles in the majority of U.S. states, so smaller regional companies are not taken into consideration for these rankings.

Top 10 Large Car Insurance Companies in Tennessee Ranked by Customer Satisfaction

1. USAA – 91%
2. AAA Insurance – 90%
3. Esurance – 90%
4. Nationwide – 89%
5. Travelers – 88%
6. Progressive – 88%
7. Safeco Insurance – 88%
8. State Farm – 88%
9. Allstate – 88%
10. The Hartford – 87%

Top 10 Large Car Insurance Companies in Tennessee Ranked by Value

1. Travelers
2. American Family
3. Safeco Insurance
4. AAA Insurance
5. The Hartford
6. Progressive
7. Erie Insurance
8. Esurance
9. 21st Century
10. Titan Insurance

Geico, State Farm, Allstate, or Progressive: Who is cheapest?

When comparing rates for car insurance for drivers with handicaps in Tennessee, four good companies to start with are Geico, State Farm, Allstate, and Progressive. Combined they make up nearly half of the entire U.S. market share. They all have a slightly different mix of options and features that add value to each policy. The table below ranks some of the different features shoppers can expect to find with each one.