Lowest Auto Insurance Exclusively for Gallatin, TN Residents

Overpriced auto insurance can overdraw your savings account and put the squeeze on your family’s finances. Comparing price quotes is a great way to cut your insurance bill. You have so many insurance companies to buy insurance from, and although it’s nice to have a selection, so many choices can make it hard to find the lowest cost provider.

Companies offer discounts so take them!

Car insurance companies do not list all their discounts very clearly, so we break down some of the more common and the more hidden auto insurance savings. If you’re not getting every credit you qualify for, you’re paying more than you need to.

  • Auto/Home Discount – When you combine your home and auto insurance with one company you will save 10% to 20% off each policy.
  • Accident Free – Good drivers with no accidents pay much less compared to bad drivers.
  • Passive Restraints and Air Bags – Factory air bags can get savings of more than 20%.
  • Auto/Life Discount – Companies who offer life insurance give a break if you buy a life insurance policy as well.
  • New Vehicle Savings – Putting insurance coverage on a new car can save up to 30% since new cars are generally safer.
  • Drivers Education – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class in high school.

Drivers should understand that most discounts do not apply to the entire policy premium. Most cut specific coverage prices like comprehensive or collision. Even though it may seem like adding up those discounts means a free policy, auto insurance companies aren’t that generous.

Tips to Get Lower Gallatin Rates

It’s important that you understand the rating factors that play a part in calculating auto insurance rates. When you know what positively or negatively influences your rates enables informed choices that may reward you with much lower annual insurance costs.

Shown below are some of the factors auto insurance companies consider when setting rates.

  • Better credit means lower rates – Credit score is a large factor in your rate calculation. People with high credit scores tend to be more responsible as compared to drivers with lower credit scores. If your credit is low, you could be paying less to insure your by improving your credit score.
  • Optional equipment can affect rates – Driving a car that has an advanced theft prevention system can help bring down rates. Theft prevention features such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all hinder your car from being stolen.
  • Being married can save on auto insurance – Having a spouse helps lower the price on your policy. Having a significant other is viewed as being more mature than a single person and it’s statistically proven that married couples file fewer claims.
  • Policy add-ons can waste money – There are many extra bells and whistles you can purchase on your auto insurance policy. Things like personal injury protection, better glass coverage and term life insurance are some examples. They may seem good at first, but if they’re wasting money remove them from your policy.

Is my situation unique?

When choosing the best auto insurance coverage, there really is not a one size fits all plan. Every situation is different and a cookie cutter policy won’t apply. Here are some questions about coverages that can help discover whether or not you might need an agent’s assistance.

  • When should my teen driver be added to my policy?
  • Why am I required to get a high-risk car insurance policy?
  • Do I really need UM/UIM coverage?
  • How high should my medical payments coverage be?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • When should I drop full coverage on my vehicle?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and you can get the answers you need.

Your local neighborhood insurance agent

Certain consumers would rather get advice from a local agent. Good agents can answer important questions and give you peace of mind. The best thing about price shopping on the web is you may find better rates and still choose a local agent.

After completing this form (opens in new window), your information is transmitted to local insurance agents in Gallatin who will return price quotes to get your business. There is no reason to visit any agencies as quotes are delivered immediately to your email address. It doesn’t get any easier!

Selecting an provider shouldn’t rely on just the price. Ask your prospective agent these questions:Tennessee insurance cheap

  • What insurance companies do they work with?
  • Are they full-time agents?
  • Who are their largest clients?
  • Do they regularly work with personal auto policies?
  • Is vehicle mileage a factor when determining depreciation for repairs?

Not all insurance agents are the same

When looking for a local agent, there are a couple of types of agencies from which to choose. Agencies in Gallatin can either be independent or captive. Both do a good job, but it’s good to learn the differences since it can impact the selection process.

Captive Insurance Agents

Captive agents can only write with one company and some examples include Allstate, State Farm and Farmers Insurance. These agents are not able to give you multiple price quotes so always compare other rates. These agents are well schooled on the products they sell and that can be a competitive advantage.

The following are captive insurance agencies in Gallatin that can give you rate quotes.

Farm Bureau Insurance – 400 N Boyers Ave – Gallatin, TN 37066 – (615) 452-3130
Farmers Insurance Group – 425 S Water Ave – Gallatin, TN 37066 – (615) 452-7446
State Farm Insurance – 1172 Nashville Pike – Gallatin, TN 37066 – (615) 452-1303
Allstate Insurance Co – 724 Nashville Pike – Gallatin, TN 37066 – (615) 452-3611

Independent Agents (or Brokers)

Independent agents are not required to write business for one company so they can insure your vehicles with lots of companies and possibly get better coverage at lower prices. To move your coverage to a new company, they simply move the coverage in-house without you having to go to a different agency.

When comparing rates, it’s recommended you include at a minimum one independent agency to get the best comparison.

The following is a list of independent insurance agencies in Gallatin who can help you get price quotes.

Sirls-London Agency – 111 N Trigg Ave – Gallatin, TN 37066 – (615) 452-8080
Oldham Insurance – 1162 Belvedere Dr – Gallatin, TN 37066 – (615) 451-9889
Roberty Dyer Insurance – 450 W Main St – Gallatin, TN 37066 – (615) 452-1424
Acceptance Insurance Agency – 650 Nashville Pike – Gallatin, TN 37066 – (615) 230-5755

For a full directory of licensed insurance agents in Gallatin, visit this link.

Upon getting satisfactory answers to all your questions and a low price estimate, you may have just found an insurance agency that meets your needs to provide auto insurance coverage.

Can you really save $459 a year?

Consumers in Tennessee get pounded daily by advertisements that promise big savings by Allstate and Progressive. All the ads make the same claim of big savings if you move to their company.

Tennessee insurance cheap

How does each company claim to save you money?

Insurance companies have a preferred profile for the type of driver that is profitable for them. A good example of a desirable insured might be a mature driver, has no driving citations, and drives newer vehicles. Any new insured that hits that “sweet spot” is entitled to the best price and as a result will probably save a lot of money.

Drivers who do not match this ideal profile will have to pay a more expensive rate which leads to business not being written. The ads state “customers who switch” not “everyone that quotes” save that much. That’s the way insurance companies can make the claims of big savings. Because of the profiling, you absolutely need to get quotes from several different companies. It’s impossible to know which insurance companies will have the lowest rates.

Online resources for education

More detailed Tennessee auto insurance information can be read at the Tennessee Department of Commerce and Insurance website. Consumers can find out industry alerts, read industry bulletins, and learn about specific coverages.

Other informative sites include these car insurance answers and this list of insurance agents in Gallatin, TN.

More effort can pay off

We just showed you a lot of tips how to compare auto insurance prices online. It’s most important to understand that the more rate quotes you have, the better your chances of lowering your rates. You may even find the lowest rates come from some of the smallest insurance companies. Some small companies may cover specific market segments cheaper as compared to the big name companies such as State Farm or Progressive.

The cheapest auto insurance is definitely available both online in addition to many Gallatin insurance agents, so you should compare both to have the best chance of lowering rates. A few companies do not provide the ability to get a quote online and many times these regional insurance providers only sell through independent insurance agents.