Techniques for Saving Money on Hendersonville, TN Car Insurance Rates

Having to pay for overpriced car insurance can take a big chunk out of your personal savings, especially in this economy. Shopping your coverage around is free, only takes a few minutes, and is a good way to slash your bill and have more diposable income.

Companies like Allstate and Progressive all promote huge savings with ads and it is difficult to not get sucked in by the cute commercials and do the work needed to find the best deal.

Consumers need to price shop coverage at least once a year because prices change regularly. If you had the lowest rates last year there may be better deals available now. Forget all the misinformation about car insurance because we’re going to demonstrate one of the best ways to eliminate unnecessary coverages and save money.

How to Buy Hendersonville Car Insurance Online

There are several ways to compare car insurance prices but some are easier and takes less work. You could spend the better part of a day driving to agents in Hendersonville, or you can stay home and use the internet to get rate comparisons in just a few minutes.

The majority of car insurance companies take part in a program where prospective buyers submit one quote, and every company can give them a price based on that information. This system prevents you from having to do repetitive form submissions to each individual car insurance company.

To submit your quote information now, click here (opens in new window).

The only downside to pricing coverage this way is that consumers can’t choose the providers you will receive quotes from. So if you prefer to choose specific providers for rate comparison, we have a page of the cheapest car insurance companies in Tennessee. Click here for list of insurance companies in Tennessee.

Whichever way you use, compare the exact same coverages and limits with each company. If your comparisons have different values for each quote it will be impossible to find the best deal in Hendersonville. Having just a slight variation in coverage limits could mean much higher rates. Just keep in mind that obtaining a wide range of quotes will enable you to find the best price.lower rates in Tennessee

Pay less by taking advantage of discounts

Companies offering auto insurance don’t always advertise all available discounts very clearly, so we break down both well-publicized as well as the least known savings tricks you should be using.

  • Employee of Federal Government – Active or retired federal employment may qualify you for a discount with select insurance companies.
  • Pay Upfront and Save – If paying your policy premium upfront rather than paying monthly you could save up to 5%.
  • Organization Discounts – Affiliation with a professional or civic organization could trigger savings on your policy.
  • Sign Early and Save – A few companies offer discounts for switching policies prior to your current policy expiring. It can save you around 10%.
  • Multi-policy Discount – If you have multiple policies with one company you may save 10% to 20% off each policy.
  • Driver Safety – Taking part in a course in driver safety could save 5% or more and easily recoup the cost of the course.
  • Anti-theft System – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and earn discounts up to 10%.
  • Low Mileage Discounts – Fewer annual miles can qualify you for better rates on cars that stay parked.
  • Safe Driver Discount – Safe drivers can pay as much as 50% less than drivers with accidents.
  • Lower Rates for Military – Having a family member in the military may qualify for rate reductions.

It’s important to understand that many deductions do not apply to the overall cost of the policy. Most only cut the price of certain insurance coverages like collision or personal injury protection. Just because it seems like you can get free auto insurance, car insurance companies aren’t that generous.

How your Hendersonville rates are determined

Smart consumers have a good feel for the factors that go into determining the price you pay for car insurance. Having a good understanding of what impacts premium levels enables informed choices that could result in lower car insurance prices.

Listed below are a few of the “ingredients” car insurance companies consider when setting premiums.

  • Cautious drivers pay less – Even a single moving violation can boost insurance rates by twenty percent. Careful drivers tend to pay less for car insurance than people who have multiple driving citations. Drivers who get severe violations like reckless driving, hit and run or driving under the influence may be required to file a SR-22 with the DMV in their state in order to drive a vehicle legally.
  • Battle of the sexes – Statistics have proven that women are safer drivers than men. However, this does not mean men are worse drivers. Both sexes are in accidents at about the same rate, but the males have costlier accidents. They also get cited for more serious violations like DUI and reckless driving. Youthful male drivers are several times more likely to be in an accident and thus pay the highest rates.
  • Marriage pays dividends – Being married can actually save you money on your car insurance policy. Marriage translates into being more mature than a single person and it’s statistically proven that drivers who are married are more cautious.
  • High credit ratings translate to low rates – Credit score is a important factor in calculating your car insurance rates. Drivers with good credit tend to file fewer claims and have better driving records than drivers who have lower ratings. If your credit rating is low, you could be paying less to insure your by improving your rating.
  • Mature drivers pay less – Older insureds are more responsible, tend to file fewer claims and get fewer tickets. Youthful drivers are statistically proven to be careless and easily distracted when behind the wheel therefore car insurance rates are much higher.
  • Your car’s features help determine rates – Purchasing a vehicle that has an advanced theft prevention system can help bring down rates. Theft prevention features such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping your car from being stolen.

More detailed Tennessee car insurance information is located at the Tennessee Department of Commerce and Insurance website. Tennessee drivers can learn about specific coverages, find a variety of consumer forms, and view agent and company licensing information.

Additional helpful sites include’s auto insurance page and this link which helps you find a Hendersonville agent.

Save $493 a year. For real?

Companies like State Farm, Allstate and GEICO consistently run ads on TV and radio. All the ads make the same claim that you can save if you change to them. But how can every company claim to save you money? It’s all in the numbers.

All the different companies have a certain “appetite” for the right customer that earns them a profit. For instance, a driver they prefer might be profiled as between the ages of 40 and 55, is a homeowner, and drives less than 7,500 miles a year. A propective insured that hits that “sweet spot” will get the preferred rates and most likely will save when switching.

lower rates in Tennessee

Potential customers who do not match the requirements must pay higher rates and this can result in the driver buying from a lower-cost company. The ads say “customers that switch” but not “drivers who get quotes” save that much. This is how companies can truthfully advertise the way they do. This illustrates why it is so important to get quotes from several different companies. Because you never know which insurance companies will give you the biggest savings.

Smart consumers save more

When trying to cut insurance costs, it’s very important that you do not buy poor coverage just to save money. In many instances, someone sacrificed liability limits or collision coverage only to find out they didn’t have enough coverage. Your aim should be to purchase a proper amount of coverage for the lowest price while not skimping on critical coverages.

Cost effective car insurance is attainable both online in addition to many Hendersonville insurance agents, so compare prices from both to have the best rate selection. A few companies do not provide online price quotes and most of the time these small insurance companies sell through independent agents.

You just learned many tips how you can save on car insurance. The most important thing to understand is the more quotes you get, the more likely it is that you will get a better rate. Consumers may even find the best price on car insurance is with a lesser-known regional company. Some small companies may have significantly lower rates on certain market segments than their larger competitors like Allstate and Progressive.