Who Has Cheap Auto Insurance Quotes for High Mileage Drivers in Tennessee?

The words “cheap” and “insurance” probably shouldn’t be used in the same sentence, especially when shopping around for the cheapest coverage for high mileage drivers. To save some money, let’s go over a few of the factors that have an impact on auto insurance prices, and see how we can help you take a little off your next policy.

The make and model of vehicle to be insured is probably the largest consideration when comparing quotes for cheap insurance for high mileage drivers. Vehicles with high performance engines, poor safety ratings, or a history of substantial liability claims will cost more to insure than more modest models. The list below showcases coverage prices for some of the most cost-effective automobiles to insure in Tennessee.

Prices above based on single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Tennessee minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, claim-free, and safe-driver. Table data does not factor in specific location which can affect coverage prices considerably.

By looking at the data, we can assume that makes and models like the Ford F-150, Kia Forte, Ford Explorer, Dodge Grand Caravan, and Honda CR-V should be the cheapest vehicles to insure for high mileage drivers.

Trying to find low-priced car insurance is challenging, and deciding which company offers the best car insurance rates for high mileage drivers requires even more perseverance. Every insurance provider has a different process for determining rates, so we need to take a look at the car insurance companies with the most affordable rates in Tennessee.

Keep in mind that Tennessee car insurance rates are based on many factors which can substantially change the price you have to pay for coverage. This price variability is why it is critical to compare lots of rates to find the lowest car insurance quotes for high mileage drivers. Insurance rates can be determined by many different factors and change dramatically, so the cheapest company three years ago may now be priced much higher than other options.

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Utica National has some of the lowest car insurance rates in Tennessee at around $737 a year. Auto-Owners, Cincinnati Insurance, Tennessee Farmers, and USAA also make the cut as some of the lowest-priced Tennessee car insurance companies.

As the example above demonstrates, if you currently have coverage with Auto-Owners and switched to Utica National, you might realize savings of in the neighborhood of $99. Tennessee drivers with Cincinnati Insurance may save as much as $139 a year, and Tennessee Farmers policyholders might see rate reductions of $186 a year.

Understand that those estimates are averages for all types of drivers and the different vehicles they drive and and are not calculated with a price decrease for high mileage drivers. So the car insurance company that has the cheapest price for you may not even be featured in the above list. That affirms the importance of why you need to compare as many prices as possible using your own driver information and specific vehicle type.

For high mileage drivers, one of the largest criteria that play a part in determining the annual cost of car insurance is your address. Densely populated urban areas like Memphis, Collierville, and Jackson tend to pay slightly more, whereas less populated areas get the luxury of paying less.

The next table sorts the more expensive cities in Tennessee for high mileage drivers in which to buy car insurance.

Premium costs are comparative as the specific Tennessee residence address can influence auto insurance rates significantly.

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

When shopping around for auto insurance for high mileage drivers in Tennessee, the four most popular companies are Progressive, Geico, State Farm, and Allstate. All of them offer liability and physical damage protection, but each on has different features and discounts that buyers can choose from. The following table compares some of the different features that are available.