Cheapest Auto Insurance Quotes for Active Military in Tennessee

One of the more important criteria that is used to calculate car insurance rates is where you keep your car. Areas with more people or higher crime rates like Memphis, Bartlett, and Jackson tend to have higher auto insurance costs, whereas areas with less congestion have the benefit of the cheapest auto insurance for active military in Tennessee.

The table below rates the priciest cities in Tennessee for active military in which to purchase auto insurance.

Price information shown is comparative as the specific zip code location can decrease or increase price quotes significantly.

Determining which companies have the cheapest auto insurance rates for active military will involve a little more sweat in order to find the best price. Every insurance provider has their own guidelines to set premium rates, so we’ll go over the auto insurance companies that tend to have lower prices in Tennessee.

It’s a good idea to be aware that Tennessee auto insurance rates are determined by lots of factors which can substantially change the cost of having a policy. Simply having a birthday, getting divorced, or getting a couple of tickets can trigger changes in premium resulting in some rates now being more affordable than the competition.

Cheap Insurance Rates for Military

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Utica National normally has some of the cheapest car insurance rates in Tennessee at around $744 annually. Auto-Owners, Cincinnati Insurance, Penn National, and Tennessee Farmers also rank well as some of the more affordable Tennessee auto insurance companies.

As illustrated above, if you are a policyholder with Auto-Owners and switched to Utica National, you could realize annual savings of approxmiately $108. Tennessee drivers with Cincinnati Insurance might save as much as $114 a year, and Penn National policyholders might lower prices by up to $155 a year.

To discover how much you can save, click here or quote prices from the following companies.

These prices are averages across all types of drivers and the different vehicles they drive and and are not figured with a price discount for active military. So the car insurance company that can offer the best rates for your situation may not even be featured in the list of companies above. That illustrates why you need to quote rates from as many companies as possible using your own personal information and vehicle type.

We all like different vehicles, and the type of vehicle requiring insurance is probably the most important factor when quoting the cheapest auto insurance for active military in Tennessee. Vehicles with limited speed and performance, advanced safety features, or a positive history of liability claims will cost quite a bit less to insure than adrenaline junky models.

The data below estimates car insurance costs for a number of the more afforable vehicles to buy insurance for.

Above prices assume married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Tennessee minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, safe-driver, and multi-policy. Information does not factor in your specific Tennessee location which can influence insurance rates considerably.

Prices above based on married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Tennessee minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, claim-free, and multi-policy. Prices do not factor in your specific Tennessee location which can decrease or increase prices significantly.

Data based on married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Tennessee minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, safe-driver, and homeowner. Table data does not factor in Tennessee location which can change coverage prices noticeably.

Does Progressive, Geico, Allstate, or State Farm have the cheapest car insurance?

If you’re looking for the cheapest auto insurance for military personnel, four companies you’ll want quotes from are Progressive, Geico, Allstate, and State Farm. If you combine them together, they insure about half of all vehicles in the U.S.. All of them have a slightly different set of options and discounts that you can select from. The table below rates pricing and service ratings, as well as optional policy coverages .

Who has the cheapest insurance quotes for military personnel?

Drivers have a lot of ways to get cheap auto insurance quotes in Tennessee, but the most frequently used ways are from an independent agent, an exclusive agency such as Auto-Owners or State Farm, or direct either online or via phone.

They all follow the same basic process, but shoppers should understand the differences in how they provide rate quotes.

Independent insurance agents work for many companies and can get rate quotes from every one. These types of agents are not locked into one company and can provide multiple price quotes, which can help you get the best chance of finding a lower price. If they quote lower rates, your policy is moved internally and you can remain with the same agent.

Exclusive agents are limited to one insurance company, examples being a Liberty Mutual or State Farm agent. Exclusive agents generally are unable to compare rates from other companies, which will not provide a complete price comparison.

Direct auto insurance buyers skip local agents and instead shop direct either online or via phone. Shopping for auto insurance direct may be preferred by consumers who do not need high levels of coverage and know how their policy works.

What is the best way to buy the cheapest auto insurance for active military in Tennessee? Our initial answer would be buying direct results in the best prices since there is no middleman, but unfortunately, it’s not that simple. And we’d like to say buying from an independent agent is the best way to save because you have more choices, but that assumption is also not necessarily accurate. In many circumstances, exclusive agents have price quotes that cannot be met by either independent or direct companies.

Because there is so much variation in auto insurance prices, the one way to find out which one is cheapest is to get quotes and compare. Set aside the time to get quotes from all three types to get an idea of which is cheapest. We compiled a list of companies with some of the cheapest online rates that you can click here to view.