Easy Tips to Pay Less on Collierville Car Insurance

Nobody likes paying for car insurance, in particular when they are paying too much. There are many auto insurance companies to insure vehicles with, and although it’s a good thing to have a selection, it makes it harder to find the best rates for your vehicles.

You should take the time to check car insurance prices yearly because insurance rates are adjusted regularly by insurance companies. Just because you found the best deal a few years ago you may be paying too much now. So just block out anything you think you know about car insurance because you’re about to learn the easiest way to save money, get proper coverage and the best rates.

Finding affordable coverage in Collierville is quite easy. If you are insured now or are just looking to switch companies, you can learn to cut your premiums while maintaining coverages. Tennessee drivers just need to know the most efficient way to compare prices over the internet.

Lower rates by qualifying for discounts

Companies that sell car insurance don’t necessarily list every discount in a way that’s easy to find, so we break down some of the more common and also the lesser-known savings tricks you should be using. If you aren’t receiving every discount available, you’re paying more than you need to.

  • Paperless Signup – Some insurance companies may give you up to $50 just for signing your application digitally online.
  • Government Employees – Active or retired federal employment may qualify you for a discount with certain companies.
  • Service Members Pay Less – Having a family member in the military can result in better rates.
  • Theft Prevention System – Anti-theft and alarm systems are stolen less frequently and earn discounts up to 10%.
  • No Charge for an Accident – A few companies will forgive one accident before raising your premiums if you are claim-free for a certain period of time.
  • Memberships – Affiliation with certain professional organizations could trigger savings when shopping for car insurance.
  • Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to use their safety belts can save up to 15% off your medical payments premium.
  • Driver’s Ed – Make teen driver coverage more affordable by requiring them to complete a driver education course in school.
  • Fewer Miles Equal More Savings – Fewer annual miles can qualify you for a substantially lower rate.

Drivers should understand that some credits don’t apply to all coverage premiums. Some only apply to the price of certain insurance coverages like comprehensive or collision. Even though it may seem like you could get a free car insurance policy, it just doesn’t work that way.

For a list of insurance companies with discount car insurance rates in Tennessee, click here to view.

Cheap Collierville Car Insurance Comparisons

All major car insurance companies like State Farm, GEICO and Progressive quote coverage prices online. Getting quotes is pretty easy as you simply enter as detailed in the form. When the form is submitted, their rating system makes automated requests for your credit score and driving record and returns a price quote determined by many factors. Being able to quote online helps simplify price comparisons, but the process of having to visit several different sites and type in the same information is monotonous and tiresome. But it’s absolutely necessary to do this in order to get better prices.

Quote rates the easy wayinsurance quote Collierville Tennessee

The quickest way to find better car insurance pricing is to use a quote form to get prices from several companies at one time. It’s a real time-saver, eliminates repetitive work, and makes online price comparison much more enjoyable and efficient. As soon as you send your information, it is quoted with multiple companies and you can pick your choice of the quotes that you receive. If the quotes result in lower rates, you can click and sign and purchase the new policy. The entire process takes 15 minutes at the most and you will know how your current rates stack up.

In order to find out if lower rates are available, click here and submit the form. If you have coverage now, it’s recommended you replicate your coverages identical to your current policy. This way, you’re receiving an apples-to-apples comparison based on the exact same insurance coverage.

How to Lower your Car Insurance Rates

An important part of buying insurance is that you know the rating factors that play a part in calculating car insurance rates. Understanding what determines base rates empowers consumers to make smart changes that can help you get better car insurance rates.

  • Don’t let your coverage lapse – Driving with no insurance is a misdemeanor and as a result your rates will increase for letting your coverage have a gap. Not only will rates go up, getting caught without coverage can result in a revoked license or a big fine.
  • The more you drive the more you pay – The higher the mileage driven in a year’s time the more you will pay for car insurance. Most insurance companies price each vehicle’s coverage based upon how you use the vehicle. Autos that are left in the garage get more affordable rates than vehicles that are driven to work every day. Verify your car insurance declarations sheet properly reflects the correct usage for each vehicle.
  • Better credit means lower rates – Your credit score is a huge factor in determining what you pay for car insurance. If your credit is lower than you’d like, you could be paying less to insure your by improving your rating. Drivers who have high credit ratings tend to be better drivers and file fewer claims than drivers with poor credit.
  • Rates may be lower depending on your job – Did you know that where you work can have an impact on rates? Occupations like doctors, business owners and accountants tend to pay higher rates than average attributed to high stress levels and long work days. On the flip side, jobs such as pilots, athletes and homemakers have the lowest average rates.
  • More people means more accidents – Choosing to live in a rural area is a positive aspect when talking about car insurance. Fewer drivers translates into fewer accidents and a lower car theft rate. Drivers in populated Tennessee areas have more traffic problems and much longer commute distances. More time commuting can result in more accidents.
  • With age comes lower rates – Older insureds are more responsible, tend to cause fewer accidents and are safer drivers. Youthful drivers tend to get distracted easily when behind the wheel and because of this, their car insurance rates are much higher.
  • Car features impact rates – Owning a car with a theft deterrent system can help bring down rates. Anti-theft features such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can help prevent auto theft.

Your local neighborhood insurance agent

Certain consumers would rather buy from a licensed agent and that is OK! Insurance agents can point out coverage gaps and give you someone to call. One of the best bonuses of getting online price quotes is that you can obtain lower rates and still have an agent to talk to.

Once you complete this short form, your insurance coverage information is immediately sent to companies in Collierville who will give you bids for your business. There is no need to visit any agencies as quotes are delivered to the email address you provide. How cool is that?!

Picking a company should depend on more than just the bottom line cost. Here are some questions to ask:

  • Do they feel the quoted coverages are adequate?
  • Does the agent have professional designations like CIC, CPCU or AIC?
  • Do you have coverage for a rental car if your vehicle is in the repair shop?
  • Which company do they place the most coverage with?
  • Do they have adequate Errors and Ommissions coverage? This protects you if they make a mistake.

Shown below is a list of auto insurance companies in Collierville that may be willing to give comparison quotes.

Collierville Insurance – 114 W Mulberry St, Collierville, TN 38017 – (901) 853-7800
Nationwide Insurance – 890 W Poplar Ave # 3, Collierville, TN 38017 – (901) 853-9147
Direct General Ins Agency – 555 S Center St # 1, Collierville, TN 38017 – (901) 854-5858
Farmers Insurance Group – 155 N Main St, Collierville, TN 38017 – (901) 452-9030
State Farm Insurance – 1011 W Poplar Ave # 3, Collierville, TN 38017 – (901) 853-0831
Farm Bureau Insurance – 745 W Poplar Ave # 3, Collierville, TN 38017 – (901) 850-5002
Allstate Insurance – 155 N Main St, Collierville, TN 38017 – (901) 850-8445

price insurance in Collierville TN

Upon getting satisfactory answers to any questions you have as well as a affordable price, you have narrowed it down to an insurance company that is a good match to adequately provide car insurance.

Better coverage you can count on

In this article, we covered some good ideas how to get a better price on car insurance. The key thing to remember is the more providers you compare, the more likely it is that you will get a better rate. Consumers may even find the lowest premiums are with a small local company. They can often provide lower rates in certain areas compared to the large companies like Progressive or GEICO.

Discount car insurance is definitely available both online and with local Collierville insurance agents, and you should compare price quotes from both to have the best rate selection. Some car insurance companies do not offer the ability to get a quote online and these smaller companies work with independent agents.

Consumer car insurance information in Tennessee

Even more information is located at the Tennessee Department of Commerce and Insurance website. Consumers can discover disciplinary actions, get help finding coverage, read state legal mandates and laws, and view a list of available companies.

Other informative sites include Auto Insurance 101 and this page where you can research Collierville insurance agents.