How to Find the Best Price on Bartlett Auto Insurance

Are you overwhelmed by the number of auto insurance company choices in Bartlett? Lot’s of other consumers are too. Drivers have so many options available that it can turn into a lot of work to find the best price.

These discounts can lower your rates

Insuring your fleet can be pricey, but you may find discounts to cut the cost considerably. Some discounts apply automatically when you quote, but a few need to be manually applied before you will receive the discount.

• Good Students Pay Less – A discount for being a good student can earn a discount of 20% or more. The discount lasts up until you turn 25.
• Paperwork-free – A few companies may give you up to $50 for buying a policy and signing up over the internet.
• Homeowners Discount – Owning a home in Bartlett can save you money because of the fact that having a home is proof that your finances are in order.
• Student in College – Youth drivers who attend school more than 100 miles from home and don’t have a car can receive lower rates.
• Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes are safer to drive and qualify for as much as a 10% discount.
• Employee of Federal Government – Employees or retirees of the government could cut as much as 10% off with a few auto insurance companies.
• Life Insurance Discount – Companies who offer life insurance give better rates if you take out life insurance.

Drivers should understand that most discounts do not apply to the entire policy premium. The majority will only reduce the cost of specific coverages such as liability and collision coverage. Just because you may think adding up those discounts means a free policy, it doesn’t quite work that way. But any discount will bring down the amount you have to pay.

For a list of companies offering auto insurance discounts in Tennessee, click here to view.

Fast and Easy Bartlett Auto Insurance Quotes

When shopping for auto insurance there are multiple ways of comparing rates from local in Bartlett, TNauto insurance companies. The best way to compare insurance prices is to perform an online rate comparison. This is very easy and can be done in a couple of different ways.

• The easiest and least time consuming way consumers can make multiple comparisons is to use a rate comparison form (click to open form in new window). This form saves time by eliminating repetitive form submissions for each company you want a rate for. One form gets you coverage quotes from several companies. Recommended for those who want to invest the least amount of time.
• A less efficient way to find lower rates requires visiting each individual company website and fill out their own quote form. For instance, let’s say you want rates from Liberty Mutual, Safeco and State Farm. To get each rate you have to go to every website to enter your coverage information, which is why the first method is more popular. For a handy list of car insurance company links in Bartlett, click here.

Whichever method you choose, make darn sure you compare the exact same information for each comparison quote. If the quotes have different liability limits it will be impossible to determine the lowest rate in Bartlett. Having just a slight variation in coverages can make a big difference in price. Keep in mind that more quotes helps locate a lower rate.

Different people need different coverages

When choosing the right insurance coverage for your personal vehicles, there is no one size fits all plan. Every insured’s situation is different.

For example, these questions may help highlight whether you would benefit from professional advice.

• Do I have coverage when using my vehicle for my home business?
• Does my policy cover my teen driver if they drive my company car?
• What are Tennessee no-fault laws?
• Why am I be forced to buy a membership to get insurance from some companies?
• At what point should I drop full coverage?
• Do I qualify for additional discounts?

If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to a licensed insurance agent. If you don’t have a local agent, fill out this quick form.

Shop smart and save

You just read many ways to reduce auto insurance prices online. The most important thing to understand is the more rate quotes you have, the better your comparison will be. You may be surprised to find that the lowest priced auto insurance comes from a small mutual company.

Consumers change insurance companies for any number of reasons including unfair underwriting practices, lack of trust in their agent, policy non-renewal or even questionable increases in premium. Whatever your reason, switching auto insurance companies is less work than it seems.

Cheaper auto insurance is possible online as well as from independent agents in Bartlett, and you should be comparing both to have the best rate selection. Some insurance providers don’t offer online quoting and many times these small, regional companies only sell through independent insurance agents.