Best Cheap Car Insurance Quotes for a School Permit in Tennessee

One of the key things that is used to calculate the price you pay for insurance is where your car is garaged. Urban areas that are densely populated like Memphis, Germantown, and Jackson are more likely to have higher rates, whereas areas with lower crime rates and fewer weather claims profit from lower rates.

The information below illustrates the higher priced cities in Tennessee for a school permit in which to buy car insurance.

Rate information is approximated as the specific geographic location can change auto insurance rates substantially.

The type of vehicle requiring coverage is a significant factor when comparing the best cheap car insurance for a school permit in Tennessee. Vehicles with average performance, good safety features, or a low likelihood of liability claims will cost much less to insure than adrenaline junky models.

The data below ranks coverage costs for a handful of the most affordable automobiles to buy insurance for.

Data variables include single female driver age 16, no speeding tickets, no at-fault accidents, $500 deductibles, and Tennessee minimum liability limits. Discounts applied include claim-free, and safe-driver. Price information does not factor in specific zip code location which can increase or decrease coverage prices substantially.

Looking at the data, you can infer that vehicles like the Honda CR-V, Ford Escape, and Honda Accord are going to be the cheaper vehicles to insure for a learners permit. The price for an auto insurance policy will tend to be more expensive just because there is more risk for a school permit, but in general those particular models will tend to have the least expensive rates possible.

Discounts on the best cheap car insurance for a school permit in Tennessee

Car insurance companies that offer quotes for a school permit may additionally offer rate discounts that may potentially lower prices by as much as 35% or more if you meet eligibility requirements. The best car insurance companies and a selection of discounts can be found below.

The illustration below illustrates the comparison of annual premium costs with and without discounts applied to the premium. The information is based on a female driver, no violations or accidents, Tennessee state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows insurance cost with no discounts. The second bar shows the rates with paid-in-full, vehicle safety, continuous coverage, good student, passive restraint, and paperless filing discounts applied. When these discounts are applied, the the amount saved on car insurance for a school permit is % or $.

How to find low-cost insurance for a school permit

It’s not impossible to find cheaper rates, and here are a few money-saving ideas that can help you find more affordable coverage.

• Good credit scores may lower your rates
• Buy vehicles with five-star safety ratings
• Save money by bundling your home and auto policies
• Avoid at-fault accidents and claims
• Remove physical damage coverage on older vehicles
• Compare rate quotes often

That last tip is extremely critical, as we stressed in the article above. Prices fluctuate considerably, so you should be ready to switch to a new company if a cheaper rate is available.

Staying with the same company for years is fine, but is isn’t recommended if that stubbornness costs you money that could be used for better things. Now is a great time to shop around to find cheaper auto insurance for a school permit.

Best cheap insurance quotes for a learners permit

Drivers have a lot of ways to compare car insurance quotes in Tennessee, but the most preferred are through an independent agent, an exclusive insurance agent like Liberty Mutual or State Farm, or buying direct from a company like Geico or Progressive.

Each way is similar, but it’s important to understand the differences in how they provide rate quotes.

Independent agencies work for many companies and can quote your policy with every one. Independent agents are usually affiliated with several companies and can give you more rates, which can help you get a better chance of saving money. If the agent locates a cheaper price, they can switch companies in-house and you do not have to find a new agent.

An exclusive agent is able to quote prices with one insurance company, for example an Allstate or State Farm agent. Exclusive agents generally are unable to quote prices from more than a single company, so it’s a good idea to get additional price quotes.

Opting to purchase car insurance direct means you bypass an exlusive or independent agent and instead shop direct either online or via phone. Buying car insurance direct can be a good choice for people who do not have complex finances and know more than average about what coverage limits and deductibles they need.

When shopping for car insurance, which way works best to buy the best cheap car insurance for a school permit in Tennessee? Our initial answer would be buying direct saves money because there is no agent involved, but in reality, that is not the case. And we’d like to say going through an independent agent is the best way to go due to more options, but that idea is not necessarily true either. In a lot of cases, exclusive agents have very competitive rates that are the lowest in Tennessee.

Since car insurance prices are based on many different factors, the best method to not overpay for car insurance is to compare, compare, and compare some more. The best approach is to get rate quotes from all three to have enough rates to compare. For a list of companies offering online discounts in Tennessee, click here to view.