Cleveland, TN Car Insurance Savings the Big Companies Don’t Want You to Know About

Finding better rates for Cleveland car insurance can seem to be challenging for people who are new to comparison shopping online. You have so many choices that it can turn into more work than you anticipated to locate the lowest price in Cleveland.

If you are insured now or need new coverage, you will benefit by learning to reduce the price you pay while maintaining coverages. Finding affordable car insurance in Cleveland is quite easy. Tennessee consumers only need to know how to get comparison rates online.

How to Lower Your Car Insurance Cost in Cleveland, Tennessee

Comparing car insurance rates can be exhausting if you aren’t aware of the easiest way. You can waste hours driving to local insurance agents in Cleveland, or you could use the internet to get prices fast.

Most of the larger companies take part in a program that enables customers to enter their policy data once, and each company can provide price quotes based on the submitted data. This system prevents you from having to do repetitive form submissions for every car insurance company.

To compare rates now click here to open in new window.

The one disadvantage to getting quotes like this is that you can’t choose which companies you want to price. So if you want to choose individual companies for rate comparison, we have assembled a list of car insurance companies in Tennessee. View list of Tennessee insurance companies.

It doesn’t matter which method you choose, just ensure you’re using identical deductibles and coverage limits with each company. If you enter different liability limits it will be impossible to find the best deal in Cleveland.

Don’t miss these discounts

Insurance can be prohibitively expensive, but you may find discounts that you may not know about. Certain discounts will be applied when you complete an application, but some must be inquired about prior to receiving the credit. If they aren’t giving you every credit possible, you are throwing money away.

  • Military Discounts – Being deployed with a military unit may qualify for rate reductions.
  • Passive Restraints – Vehicles equipped with air bags and/or automatic seat belt systems can qualify for discounts of up to 25% or more.
  • Federal Government Employee – Simply working for the federal government can earn a discount up to 10% with select insurance companies.
  • Auto/Home Discount – If you have multiple policies with the same insurance company you may earn at least 10% off all policies.
  • Early Switch Discount – Some companies give discounts for switching policies prior to your current policy expiration. It’s a savings of about 10%.
  • Accident Forgiveness – A handful of insurance companies will forgive one accident before hitting you with a surcharge if you are claim-free for a certain period of time.
  • Save over 55 – Mature drivers may be able to get reduced rates.

It’s important to note that many deductions do not apply to the entire policy premium. Most cut individual premiums such as liability, collision or medical payments. So when the math indicates you can get free auto insurance, you’re out of luck. Any amount of discount will cut your overall premium however.

How to Lower your Car Insurance Rates

Smart consumers have a good feel for the rating factors that help determine your car insurance rates. Knowing what impacts premium levels helps enable you to make changes that may reward you with big money image

  • One company can mean more discounts – Many insurers give discounts to policyholders who consolidate policies with them, otherwise known as a multi-policy discount. Even though this discount sounds good, it’s in your best interest to comparison shop to make sure you are getting the best deal.
  • Don’t cancel a policy without a new one in place – Allowing your car insurance policy to lapse is a fast way to trigger a rate increase. And not only will your rates increase, getting caught without coverage can result in a hefty fine and possibly a revoked license.
  • Drive a safer car and pay less – Vehicles with good safety scores get lower rates. These vehicles reduce injuries and any reduction in injury severity means less money paid by your insurance company and more competitive rates for policyholders.
  • Low deductibles can be expensive – Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your car. A few examples of covered claims would be collision with another vehicle, vandalism, and rolling your vehicle. The deductibles are how much you are willing to pay if you file a covered claim. The higher the amount you have to pay, the bigger discount you will receive.
  • Your location is important – Being located in a rural area has it’s advantages when it comes to car insurance. Drivers who live in large cities regularly have congested traffic and longer commutes to work. Fewer drivers means fewer accidents and also fewer theft and vandalism claims.
  • Liability coverage is cheap – Liability insurance is the protection if you are found to be at fault for causing damage or personal injury in an accident. It provides legal defense coverage starting from day one. Carrying liability coverage is mandatory and cheap compared to physical damage coverage, so do not cut corners here.
  • Optional equipment can affect rates – Driving a car with an alarm system can get you a discount on your car insurance. Theft prevention devices like GM’s OnStar, tamper alarm systems and vehicle immobilizers all hinder auto theft.
  • Your stress level may be raising your rates – Occupations like lawyers, executives and stock brokers tend to pay the highest rates due to stressful work requirements and long work hours. On the other hand, occupations such as scientists, students and retirees have the lowest average rates.

Local Cleveland agents and car insurance

A small number of people would rather get advice from a local agent. Insurance agents can help determine the best coverages and help submit paperwork. The best thing about comparing rates online is you can get the best rates but still work with a licensed agent. And supporting local insurance agencies is important especially in Cleveland.

After filling out this simple form, your insurance data is submitted to companies in Cleveland who will return price quotes to get your business. You won’t need to drive around since price quotes are sent immediately to your email address. How cool is that?!

How to choose the best insurance agency in Cleveland

When searching for a reputable insurance agent or broker, you need to know there are two types of agencies that differ in how they can insure your vehicles. Agencies in Cleveland are either independent (non-captive) or captive. While both can write coverage properly, but it’s good to learn the difference between them since it may influence your selection of an agent.

Independent Insurance Agents

Independent agencies are not locked into one company but rather can write business with multiple insurance companies enabling the ability to shop coverage around. If you are not satisfied with one company, the agent simply finds a different carrier and you won’t have to switch agencies. When searching for an agent, you should always include at least one independent agent for maximum quote selection. Most have the option of insuring with different regional companies who may have lower rates.

Below is a list of independent agents in Cleveland that can give you rate quotes.

  • Eddie Moreland Insurance – 3535 Keith St NW – Cleveland, TN 37312 – (423) 476-7587
  • Direct General Ins Agency – 2700 Keith St NW # 1 – Cleveland, TN 37312 – (423) 559-1221
  • Prather Agency – 2330 Keith St NW – Cleveland, TN 37311 – (423) 614-5726
  • Farm Bureau Insurance – 2540 Keith St NW – Cleveland, TN 37312 – (423) 479-9755
  • Acceptance Insurance Agency – 2409 Keith St NW – Cleveland, TN 37311 – (423) 339-1200
Captive Agents

Captive insurance agents write business for a single company like State Farm, AAA and Liberty Mutual. These agents are not able to give you multiple price quotes so it’s a take it or leave it situation. They are well schooled on the products they sell which helps them sell insurance even at higher premiums. Consumers sometimes choose to use a captive agent partially due to loyalty to the company and the convenience of having all coverages with one company.

Listed below is a short list of captive insurance agents in Cleveland willing to provide price quote information.

  • Allstate Insurance Co – 79 Mouse Creek Rd NW – Cleveland, TN 37312 – (423) 472-6111
  • Shelter Insurance – 1300 25th St NW # 7 – Cleveland, TN 37311 – (423) 339-8777
  • Farm Bureau Insurance – 435 Berywood Trl NW – Cleveland, TN 37312 – (423) 479-9755
  • State Farm Insurance – 915 25th St NW # A – Cleveland, TN 37311 – (423) 479-8643
  • Farmers Insurance Group – 2565 Georgetown Rd NW – Cleveland, TN 37311 – (423) 614-0900

To view a full list of captive insurance agents in Cleveland, simply jump to this page.

Deciding on an insurance agent needs to be determined by more than just the bottom line cost. Here are some questions to ask:

  • If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
  • Can they give you a list of client referrals?
  • Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
  • Does the agency have a good rating with the Better Business Bureau?
  • Do the companies they represent have a solid financial rating?
  • Do they have adequate Errors and Ommissions coverage? This protects you if they make a mistake.

Upon getting reasonable responses in addition to an acceptable price estimate, chances are good that you have found an insurance agent that is a good match to properly insure your vehicles.

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Much more information about car insurance in Tennessee is located on the Tennessee Department of Commerce and Insurance website through this link. Visitors are able to file complaints about a company, learn about insurance regulations, discover disciplinary actions, and read industry bulletins.

The articles below may also help you learn more about car insurance in Cleveland

More effort can pay off

We just covered many ways to lower your car insurance rates. It’s most important to understand that the more price quotes you have, the higher your chance of finding lower rates. Consumers may even find the lowest premiums are with the least-expected company.

Cheaper car insurance can be sourced both online and also from your neighborhood Cleveland agents, and you need to price shop both to have the best selection. Some insurance providers may not provide online quoting and usually these smaller companies provide coverage only through local independent agents.

Consumers switch companies for many reasons like policy non-renewal, high prices, denial of a claim and policy cancellation. Regardless of your reason, finding the right car insurance provider is not as difficult as it may seem.