6 Must-Know Methods When Looking for the Best Deal on Murfreesboro Auto Insurance

Are you confused by the dozens of auto insurance company choices in Murfreesboro? Many other consumers are too. Drivers have so many companies to choose from that it can quickly become a lot of work to compare prices.

You need to do rate comparisons periodically since rates go up and down regularly. Despite the fact that you may have had the lowest price six months ago you may be paying too much now. Starting now, forget anything you know (or think you know) about auto insurance because we’re going to show you how to use the internet to find lower rates on auto insurance.

Are you getting all your discounts?

Insuring your vehicles can cost a lot, but you can get discounts to cut the cost considerably. Certain discounts will be applied at the time you complete a quote, but some may not be applied and must be asked for before you will receive the discount. If you don’t get every credit you qualify for, you’re just leaving money on the table.

  • Low Mileage – Keeping the miles down can earn a substantially lower rate.
  • Club Memberships – Being a member of a professional or civic organization is a good way to get lower rates when buying auto insurance.
  • Multiple Cars – Having all your vehicles with the same company could earn a price break for each car.
  • 55 and Retired – If you’re over the age of 55, you may receive a small decrease in premiums.
  • Anti-lock Brake Discount – Anti-lock brake equipped vehicles can reduce accidents and earn discounts up to 10%.
  • Use Seat Belts – Using a seat belt and requiring all passengers to use a seat belt can save 10% or more off your medical payments premium.
  • Multiple Policy Discount – If you insure your home and vehicles with the same company you will save approximately 10% to 15%.
  • Passive Restraints – Vehicles equipped with air bags and/or automatic seat belt systems may earn rate discounts of more than 20%.
  • Save with a New Car – Buying coverage on a new vehicle can save up to 30% compared to insuring an older model.

Drivers should understand that most of the big mark downs will not be given to all coverage premiums. The majority will only reduce the price of certain insurance coverages like comp or med pay. So when it seems like it’s possible to get free car insurance, companies don’t profit that way. Any qualifying discounts will help reduce the cost of coverage.

For a list of companies offering auto insurance discounts in Tennessee, follow this link.

Auto Insurance Comparison Rates in Murfreesboro

Performing a rate comparison can take time and effort if you don’t know the best way to get rate quotes. You can waste a lot of time talking about coverages with insurance companies in Murfreesboro, or you could use the internet to get pricing more quickly.car insurance image

Many of the larger companies take part in a program that enables customers to only type in their quote data once, and at least one company can provide price quotes based on the submitted data. This saves time by eliminating quote requests to each individual auto insurance company. To access this free quoting program, click here to open in new window.

The single downside to doing it this way is that consumers can’t choose which insurance companies to get quotes from. So if you want to choose from a list of companies to receive pricing from, we have assembled a list of low cost auto insurance companies in Tennessee. Click to view list.

However you get your quotes, double check that you are using identical quote information for each comparison quote. If your comparisons have unequal deductibles or liability limits it’s impossible to determine the lowest rate in Murfreesboro.

There’s no such thing as the perfect policy

When it comes to choosing the best auto insurance coverage for your vehicles, there is no best way to insure your cars. Everyone’s situation is unique.

These are some specific questions can aid in determining if you will benefit from professional help.

  • Am I covered when pulling a rental trailer?
  • Does my insurance cover my expensive audio equipment?
  • Does my policy cover me when driving someone else’s vehicle?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • What should my uninsured motorist coverage limits be in Tennessee?
  • What discounts do I qualify for?
  • Does my personal policy cover me when driving my company car?

If you don’t know the answers to these questions then you might want to talk to an insurance agent. If you want to speak to an agent in your area, simply complete this short form. It is quick, free and can provide invaluable advice.

Murfreesboro TN car insurance

In Summary

As you shop your coverage around, you should never skimp on critical coverages to save a buck or two. In many instances, drivers have reduced full coverage only to find out that their decision to reduce coverage ended up costing them more. Your aim should be to buy the best coverage you can find at a price you can afford while still protecting your assets.

Cheap auto insurance is attainable on the web in addition to many Murfreesboro insurance agents, and you should be comparing both to get a complete price analysis. Some companies do not provide you the ability to get quotes online and usually these smaller companies provide coverage only through local independent agents.

People change insurance companies for any number of reasons including being labeled a high risk driver, policy non-renewal, high rates after DUI convictions and even poor customer service. No matter why you want to switch, switching companies can be easy and end up saving you some money.