Chattanooga, TN Auto Insurance Agents – How to Make the Right Choice

When pricing auto insurance in Chattanooga, TN, selecting the best Chattanooga insurance agent for your needs takes more work than just randomly choosing from the yellow pages. You need a professional agent, but also need the cheapest rates you can possibly find.

Companies like Allstate, Progressive and GEICO continually bombard you with ads and consumers find it hard to not get sucked in by the cute commercials and effectively compare rates to find the best deal.

Online quotes with a local Chattanooga insurance agent

Licensed agents are trained to spot inefficiencies and help submit paperwork. One of the great benefits of comparing insurance prices online is you may find the best rates but also keep your business local.

After filling out this quick form, your information is emailed to local insurance agents who will battle for your insurance coverage. There is no reason to visit any agencies due to the fact that quote results will go immediately to your email address. Now that’s easy! You can find the lowest rates and work with a local agent.

Deciding on an auto insurance agent requires more thought than just the premium amount. These are valid questions to ask:

  • Are they properly licensed to sell insurance in Tennessee?
  • Does the agent have professional designations like CIC, CPCU or AIC?
  • Does the agency have a good rating with the Better Business Bureau?
  • Will their companies depreciate repairs to your car based on the mileage?
  • How much can you save by raising your physical damage deductibles?
  • Does the agency provide any after hours assistance?
  • Do they feel the quoted coverages are adequate?
  • Which members of your family are coverage by the policy?

If you want to view licensed agents in Chattanooga, visit this link.

Once you have satisfactory answers for all questions you ask and an affordable coverage quote, most likely you have located a car insurance agent that will insure your vehicles.

What if I want to buy online?

Local insurance agents are perfect for certain consumers, but you also have the option of buying Tennessee car insurance direct from companies that only sell online. Even companies like Allstate and State Farm who have local Chattanooga agents also give you the ability to quote and buy online, and consumers should do that if you are the do-it-yourself type.

If you’re uneasy about not getting advice from an agent when buying online, don’t sweat it. Auto insurance companies provide phone numbers and online resources for answering any questions you have.

Do customers save by switching to an online company? It’s hard to say exactly because there are a lot of things that determine the price you pay. Some people think that shopping online for auto insurance lowers rates due to not having any agent compensation. In reality, it’s expensive to advertise and that impacts the rates consumers pay.

Final considerations

Cheaper auto insurance is definitely available on the web in addition to many Chattanooga insurance agents, so compare prices from both in order to have the best chance of saving money. Some insurance companies do not provide you the ability to get quotes online and most of the time these smaller companies sell through independent agents.

When trying to cut insurance costs, do not reduce needed coverages to save money. There have been many situations where an accident victim reduced liability limits or collision coverage only to discover later that the savings was not a smart move. Your strategy should be to purchase a proper amount of coverage at the best price while still protecting your assets.

Even more information is available at the Tennessee Department of Commerce and Insurance website. Consumers can read industry bulletins, find out which companies have the most complaints, and find disaster information.