Auto Insurance in Spring Hill – 7 Discounts You Might be Losing Out On

Shopping for cheap Spring Hill auto insurance on the web is problematic for consumers not familiar with price shopping online. With so many online companies, how can anyone have a chance to compare every company to locate the best available rates?

Finding affordable coverage in Spring Hill is not rocket science. If you are paying for car insurance now, you will most likely be able to save some money using this strategy. Tennessee vehicle owners just need to learn the most efficient way to compare rates online.

Discounts are great for lower rates

Companies that sell car insurance do not advertise every available discount in a way that’s easy to find, so here is a list some of the more common as well as the least known auto insurance savings. If you aren’t receiving every discount you qualify for, you’re just leaving money on the table.

  • Employee of Federal Government – Employees or retirees of the government can save as much as 8% depending on your company.
  • Anti-theft System – Vehicles with anti-theft systems are stolen less frequently and qualify for as much as a 10% discount.
  • Service Members Pay Less – Having a family member in the military could be rewarded with lower premiums.
  • Life Insurance Discount – Select insurance companies reward you with better rates if you take out a life insurance policy as well.
  • Anti-lock Brake System – Vehicles equipped with ABS or steering control can avoid accidents and therefore earn up to a 10% discount.
  • Early Signing – A few companies offer discounts for switching to them before your current policy expires. This can save 10% or more.
  • More Vehicles More Savings – Insuring multiple cars or trucks on the same auto insurance policy qualifies for this discount.

Consumers should know that most discounts do not apply the the whole policy. Most only apply to specific coverage prices like medical payments or collision. Even though it may seem like you would end up receiving a 100% discount, it doesn’t quite work that way.

To see a list of insurers offering auto insurance discounts in Spring Hill, click here to view.

How to Get Auto Insurance in Spring Hill

Getting a cheaper price on insurance can be relatively painless. You just need to spend a little time to compare rate quotes from different insurance companies. It is quite easy and can be accomplished in a couple of different ways.

  • One of the simplest ways consumers can analyze rates is to use a rate comparison form (click to open form in new window). This method eliminates the need for separate quotation requests for every auto insurance company. In just a few minutes this one form will return price quotes .It’s the quickest way to get rates.
  • A more difficult way to compare rate quotes consists of visiting the website of each company to complete a price quote. For instance, we’ll assume you want rates from Liberty Mutual, GEICO and State Farm. You would have to take the time to go to each site and enter your information, which is why the first method is more popular.

    To view a list of companies in Spring Hill, click here.

However you get your quotes, ensure you are comparing the exact same coverage information on every quote you get. If your comparisons have unequal deductibles or liability limits it will be very difficult to determine which rate is truly the best in Spring Hill.

Auto insurance coverage considerations

Understanding the coverages of your policy aids in choosing appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their quote Spring Hill TN

Uninsured/Underinsured Motorist (UM/UIM) – Your UM/UIM coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and damage to your vehicle.

Since a lot of drivers only purchase the least amount of liability that is required (25/50/15), their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.

Liability coverages – This coverage protects you from damages or injuries you inflict on other people or property by causing an accident. This insurance protects YOU from legal claims by others. It does not cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 25/50/25 which stand for $25,000 bodily injury coverage, $50,000 for the entire accident, and $25,000 of coverage for damaged propery.

Liability insurance covers things such as emergency aid, funeral expenses, medical expenses and court costs. How much coverage you buy is your choice, but consider buying as much as you can afford. Tennessee state law requires minimum liability limits of 25,000/50,000/15,000 but it’s recommended drivers buy higher limits.

Collision coverages – Collision insurance pays for damage to your vehicle resulting from colliding with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims like hitting a mailbox, crashing into a ditch and rolling your car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. You can also choose a higher deductible in order to get cheaper collision rates.

Comprehensive insurance – This pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as hitting a bird, damage from flooding, a tree branch falling on your vehicle and falling objects. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

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Med pay and Personal Injury Protection (PIP) – Medical payments and Personal Injury Protection insurance pay for expenses like ambulance fees, EMT expenses and doctor visits. They are used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. They cover all vehicle occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Compare but don’t skimp

When you buy insurance online, do not buy less coverage just to save a little money. There are many occasions where an insured dropped full coverage and learned later that their decision to reduce coverage ended up costing them more. Your focus should be to get the best coverage possible at a price you can afford.

In this article, we covered many ways to lower your auto insurance rates. It’s most important to understand that the more companies you get rates for, the higher your chance of finding lower rates. Consumers may even find the lowest premiums are with a company that doesn’t do a lot of advertising.

Insureds leave their current company for any number of reasons including policy non-renewal, denial of a claim, delays in responding to claim requests or lack of trust in their agent. Regardless of your reason for switching companies, choosing a new insurance company is pretty easy and you might even save some money in the process.