As it is for drivers in most states, in Tennessee, auto insurance is required by law. Since there's really no getting around buying auto insurance, Tennessee drivers should, at the very least, make sure that they are getting the best price for the coverage they need. This is why it is important to get auto insurance quotes. Tennessee drivers who get quotes from other companies can reap formidable benefits; those who don't might never know the significant savings quotes can identify. Here are a few things to think about when shopping for auto insurance in the Volunteer State, and a couple pointers on how to make your auto insurance rates as low as possible.
Average Tennessee Auto Insurance Rates
Obviously, not every Tennessee auto insurance policy will contain the same kind of coverage, so the average cost of car policies statewide may look very different from the rates of individuals. Throughout the state of Tennessee, auto insurance is $649 a year on average; this puts residents a bit below the national average of $795, which is pretty good news. Of course, the more comprehensive you coverage is and the higher risk a particular policy holder seems to his or her insurance provider, the higher the policy rates. Drivers need to be aware, however, that the amount they pay for auto insurance is far from a fixed number; there are many ways that you can lower your rates, and many of them are more accessible than you might think.
Discounts and Reduced Rates for Auto Insurance Policies
As most people already know, raising your deductible (the amount you pay out-of-pocket when an accident occurs), lowering your limits (the maximum amount your insurance provider will pay out in the event of an accident), and reducing your coverage (minimizing the number of situations where your provider will have to pay) can each lower the cost of your auto insurance. Tennessee drivers should be careful, however, when taking any of these routes, as each can cost you when and if you are in an accident.
Thankfully, Tennessee auto insurance providers offer other paths to reduced premiums. Staying accident-free for years at a time, installing an anti-theft device, driving a vehicle with anti-lock brakes and air bags, raising your credit score, taking a defensive driving course, and even getting older may each lower your rates without affecting your coverage. Since some insurance companies offer different kinds of discounts, talking to your provider about possible rate reductions is never a bad idea.
The Benefits of Tennessee Auto Insurance Quotes
If you are not eligible for any additional discounts and you don't want to reduce your coverage, there is another way to lower your rates in Tennessee. Auto insurance quotes are basically estimates insurance companies come up with before you purchase an actual policy. Quotes are free and easy to get, and the possible savings they offer should not be ignored, no matter how long you've been driving or where you live.
If you get quotes from four different insurance providers, you are likely to see four different numbers; one of these numbers will be the lowest. For many drivers in Tennessee, auto insurance quotes are not going to be dramatically different from one provider to the next; however, because the difference in quotes is sometimes a matter of hundreds of dollars a year, it is worth your time to periodically get quotes from competing insurance companies to make sure your current policy is not costing you way too much.
At NetQuote, Tennessee auto insurance quotes are not only free, but easy to get. Fill out a brief form, type in your zip code, and almost instantly, you'll receive multiple quotes from several insurance companies in your area. Once you've got the numbers in front of you, identifying the most affordable policy will be a snap.