6 Tricks to Save on Auto Insurance in Hendersonville

Confused by the sheer number of auto insurance company choices in Hendersonville? You’re not alone. Drivers have so many choices that it can quickly become a big hassle to find the lowest price.

If you have a current auto insurance policy or are shopping for new coverage, you will benefit by learning to get lower rates and possibly find even better coverage. Buying affordable protection in Hendersonville is easy if you know what you’re doing. Tennessee vehicle owners only need to know the most efficient way to compare price quotes online.

Comprehensive Auto Insurance Comparison in Hendersonville, Tennessee

All the larger auto insurance companies quote pricing on the web. The process is fairly straightforward as you simply enter the coverage amounts you desire into a form. Once you submit the form, the system will order your driving record and credit report and returns pricing information.

Quoting online helps simplify price comparisons, but the time it takes to visit multiple sites and fill out multiple forms can be a bit tiresome and repetitive. Unfortunately, it is important to compare as many rates as possible in order to find the lowest possible prices on auto insurance.

The easy way to compare rates

The quickest way to lower your auto insurance bill utilizes a single form to return rates from multiple companies. The form is fast, eliminates repetitive work, and makes online shopping a little more enjoyable. Once the form is submitted, your coverage is rated and you can choose your choice of the resulting price quotes.

If the quotes result in lower rates, it’s easy to complete the application and purchase the new policy. The whole process takes less than 15 minutes and could lower your rates considerably.

To find out if lower rates are available, click here and input your coverage information. If you have a policy now, it’s recommended you type in the coverage information just like they are on your policy. Doing this guarantees you will be getting comparison quotes for the exact same coverage.

Be sure to get all your discounts

Insurance can be prohibitively expensive, but there could be available discounts to help bring down the price. A few discounts will automatically apply when you complete an application, but some must be inquired about in order for you to get them. If you aren’t receiving every discount you qualify for, you are paying more than you should be.

  • Lower Rates for Military – Being on active duty in the military can result in better rates.
  • Save with a New Car – Buying coverage on a new vehicle can save up to 30% due to better safety requirements for new cars.
  • Student Driver Training – Cut your cost by having your teen driver enroll in driver’s education in high school.
  • Accident Free – Drivers who don’t have accidents can earn big discounts compared to frequent claim filers.
  • Anti-lock Brakes – Vehicles equipped with ABS or steering control can reduce accidents and therefore earn up to a 10% discount.
  • Discount for Life Insurance – Companies who offer life insurance give better rates if you take out auto and life insurance together.

A little note about advertised discounts, some credits don’t apply to your bottom line cost. Most cut individual premiums such as medical payments or collision. Even though it may seem like it’s possible to get free car insurance, you won’t be that lucky. But any discount will reduce your overall premium however.

Aren’t my neighborhood agents an option?

A small number of people prefer to talk to a local agent and that is a personal choice. Professional agents can point out coverage gaps and help file insurance claims. The biggest benefit of comparing rates online is you may find better rates but still work with a licensed agent. And providing support for local insurance agencies is especially important in Hendersonville.

Upon completion of this quick form, the quote information is emailed to local insurance agents who will battle for your business. There is no reason to leave your house due to the fact that quote results will go directly to your email.

The difference between Hendersonville insurance agencies

When searching for an insurance agent, there are two types of agencies to choose from. Hendersonville agents are classified as either captive or independent. Both properly insure your vehicles, but it’s worth learning the difference between them because it can impact your selection of an agent.

Independent Insurance Agents

Independent agents do not work for one specific company but rather can write business with lots of companies and potentially find a lower price. To move your coverage to a new company, an independent agent can move your coverage without you having to go to a different agency.car insurance image

When comparing rates, you should always include at least one independent agent for maximum quote selection.Many can place coverage with lesser-known insurance companies which may provide better rates.

Listed below are independent insurance agents in Hendersonville who can help you get comparison quotes.

  • Direct General Ins Agency – 387 W Main St – Hendersonville, TN 37075 – (615) 824-4637
  • Larry Williams Agency – 635 E Main St # 2 – Hendersonville, TN 37075 – (615) 264-8418
  • Phil Roark Insurance – 313 E Main St # 6 – Hendersonville, TN 37075 – (615) 824-3328
  • Martinek Family Agency – 313 E Main St # 11 – Hendersonville, TN 37075 – (615) 826-0560
  • General Insurance Underwriters – 103 Crosspointe – Hendersonville, TN 37075 – (615) 264-3543
Agency Captives

Captive agencies can only write with one company and examples are State Farm, Allstate and AAA. They are unable to provide prices from multiple companies so keep that in mind. Captive agents are usually quite knowledgeable on their company’s products which can be an advantage. Consumers sometimes buy from captive agents partially due to loyalty to the company and solid financial strength.

Listed below is a list of captive insurance agencies in Hendersonville willing to provide price quote information.

  • Farmers Insurance Group – 635 E Main St # 2 – Hendersonville, TN 37075 – (615) 824-3040
  • Farm Bureau Insurance – 110 Sanders Ferry Rd # 4 – Hendersonville, TN 37075 – (615) 826-2833
  • Liberty Mutual Insurance – 311 E Main St # 5 – Hendersonville, TN 37075 – (615) 822-7196
  • Allstate Insurance – 102 Iris Dr # A – Hendersonville, TN 37075 – (615) 826-7733
  • Shelter Insurance – 635 E Main St # 4 – Hendersonville, TN 37075 – (615) 822-5500
  • State Farm Insurance – 131 Stadium Dr – Hendersonville, TN 37075 – (615) 822-1296

To view a complete directory of Hendersonville captive insurance agents, please go to this site.

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

  • Which insurance companies are they affiliated with?
  • Does the agency support the community they serve?
  • If they are an independent agency, which companies do they recommend?
  • What will you get paid if your car is a total loss? How is that amount determined?
  • Who are their largest clients?

Upon getting good answers as well as a affordable price, you have narrowed it down to an insurance agency that will adequately provide auto insurance. But keep in mind once you purchase a policy you can cancel your policy any time you want so never assume you are locked into the auto insurance policy for any length of time.

Auto insurance specifics

Learning about specific coverages of auto insurance can be of help when determining the right coverages and proper limits and deductibles. Policy terminology can be confusing and coverage can change by endorsement.

Medical costs insurance

Med pay and PIP coverage kick in for immediate expenses like X-ray expenses, chiropractic care, surgery, rehabilitation expenses and pain medications. They are often used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. PIP coverage is not universally available and gives slightly broader coverage than med pay

Auto liability insurance

Liability coverage provides protection from damages or injuries you inflict on a person or their property that is your fault. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 25/50/25 which means a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Another option is a combined single limit or CSL which limits claims to one amount without having the split limit caps.

Liability coverage protects against things such as pain and suffering, funeral expenses, bail bonds and repair bills for other people’s vehicles. How much coverage you buy is up to you, but buy higher limits if possible. Tennessee requires drivers to carry at least 25,000/50,000/15,000 but you should think about purchasing more liability than the minimum.

Collision coverage

Collision insurance pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things like crashing into a building, driving through your garage door, backing into a parked car, rolling your car and hitting a parking meter. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. Another option is to raise the deductible to bring the cost down.

UM/UIM Coverage

This provides protection from other motorists when they either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits (25/50/15 in Tennessee), it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea. Frequently these limits are identical to your policy’s liability coverage.

save money in Hendersonville

Comprehensive or Other Than Collision

Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like damage from flooding, hitting a bird and hitting a deer. The maximum payout a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

In the end, you save

We just showed you many tips how you can lower your auto insurance rates. The most important thing to understand is the more quotes you get, the better your comparison will be. Consumers could even find that the most savings is with an unexpected company.

While you’re price shopping online, you should never reduce coverage to reduce premium. Too many times, drivers have reduced physical damage coverage only to find out that it was a big mistake. Your aim should be to buy a smart amount of coverage at the best price, not the least amount of coverage.

Discount auto insurance is possible from both online companies and with local Hendersonville insurance agents, and you need to price shop both to get a complete price analysis. Some companies do not offer the ability to get a quote online and many times these small insurance companies only sell through independent insurance agents.

Much more information about auto insurance in Tennessee is available on the Tennessee Department of Commerce and Insurance website. Click here for link. Consumers can find out industry alerts, discover disciplinary actions, and learn about specific coverages.

Also read more on this site for rates in Tennessee and this page where you can research Hendersonville insurance agents.