7 Ways to Get Lower Rates on Auto Insurance in Murfreesboro, TN

Are you a victim of an overpriced auto insurance policy? Believe me when I say there are a lot of people in Murfreesboro just like you who feel imprisoned by their auto insurance policy.

Lots of car insurance companies contend for your insurance dollar, so it’s not easy to compare every provider to get the lowest rate

You should take the time to get comparison quotes yearly since insurance rates change frequently. Just because you found the best rates six months ago other companies may now be cheaper. Starting now, block out anything you think you know about auto insurance because you’re about to learn how to use online quotes to remove unneeded coverages and save money.

If you are paying for car insurance now, you will most likely be able to cut costs considerably using these methods. Buying car insurance in Murfreesboro is not that difficult. But Tennessee vehicle owners can benefit by having an understanding of how big insurance companies market insurance on the web and take advantage of how the system works.

Finding Auto Insurance in Murfreesboro, TN

All major auto insurance companies allow you to get pricing on their websites. Obtaining pricing doesn’t take much effort as you just type in your coverage preferences as detailed in the form. Once entered, the company’s rating system gets credit information and your driving record and provides a quote based on these and other factors. This streamlines rate comparisons, but having to visit many different websites and enter the same data into a form gets old quite quickly. But it’s absolutely necessary to get many rate quotes if you are searching for a better rate.

Rate comparisons made easy

The smarter way to locate the lowest prices utilizes a single form to get prices from more than one company. It saves time, eliminates repetitive work, and makes rate comparisons a lot less work. As soon as you send your information, your coverage is rated and you can select any or none of the quote results.

If you find a better price you simply finish the application and purchase the new policy. It takes 15 minutes at the most and may save quite a bit of money.

To get comparison pricing now, simply click here to open in new window and complete the simple form. If you currently have coverage, we recommend that you enter the coverage information exactly as shown on your declarations page. This makes sure you will have rate comparison quotes using the same coverage and limits.

Save $474 a year. For real?

Auto insurance providers like Allstate and Progressive constantly bombard you with ads on TV and radio. They all say the same thing that you’ll save big if you switch to them. How can each company claim to save you money?

All companies have a preferred profile for the driver they prefer to insure. An example of a preferred risk could possibly be between 25 and 40, owns a home, and drives less than 7,500 miles a year. A propective insured that hits that “sweet spot” will qualify for the lowest rates and most likely will pay quite a bit less when switching companies.

Consumers who don’t measure up to these standards will be charged a more expensive rate which leads to the customer not buying. The ads say “customers that switch” but not “drivers who get quotes” save that kind of money. That is how insurance companies can confidently advertise the savings.

That is why you should compare many company’s rates. It is impossible to predict the company that will give you the biggest savings.

Take these seven discounts and save

Properly insuring your vehicles can get expensive, but there are discounts available to reduce the price significantly. A few discounts will automatically apply when you quote, but a few need to be requested specifically before you will receive the discount.save money image

  • Paperless Signup – Certain companies will give a small break just for signing your application online.
  • Employee of Federal Government – Active or retired federal employment could cut as much as 10% off with a few auto insurance companies.
  • Own a Home – Simply owning a home can save you money because maintaining a house demonstrates responsibility.
  • Club Memberships – Affiliation with certain professional organizations could qualify you for a break on auto insurance.
  • Drive Safe and Save – Safe drivers may receive a discount up to 45% less than less cautious drivers.
  • No Charge for an Accident – Certain companies permit an accident before raising your premiums so long as you haven’t had any claims for a certain period of time.
  • Braking Control Discount – Vehicles equipped with ABS or steering control can reduce accidents and will save you 10% or more.

Drivers should understand that some credits don’t apply to all coverage premiums. Most only reduce the cost of specific coverages such as comprehensive or collision. So even though it sounds like all those discounts means the company will pay you, you’re out of luck. But any discount will reduce the amount you have to pay.

For a list of insurance companies with discount auto insurance rates in Murfreesboro, follow this link.

Aren’t my neighborhood agents an option?

A small number of people prefer to get advice from a local agent and that is OK! One of the great benefits of comparing rates online is you can get lower rates and still have an agent to talk to. And providing support for local agencies is definitely important in Murfreesboro.

After completing this short form, your insurance data is instantly submitted to participating agents in Murfreesboro who will give you bids for your business. There is no need to drive around due to the fact that quote results will go straight to your inbox. Get lower rates and work with a local agent.

If you prefer to view licensed agents in Murfreesboro, visit this link.

Choosing a company shouldn’t rely on just a low price. These questions are important to ask:

  • Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
  • Do you have coverage for a rental car if your vehicle is in the repair shop?
  • Do they have any clout with companies to ensure a fair claim settlement?
  • Will their companies depreciate repairs to your car based on the mileage?
  • Do the companies they represent have a solid financial rating?
  • Which insurance companies are they affiliated with?

After getting answers to your satisfaction to any questions you have as well as a affordable price, you’ve probably found an provider that meets your needs to service your policy. But keep in mind consumers can cancel your coverage at any time so don’t feel that you’re stuck with the auto insurance policy with no way to switch.

More information can be read on the website for the Tennessee Department of Commerce and Insurance. Click here for link. Visitors are able to find a variety of consumer forms, download brochures, read enforcement actions against agents and companies, and file complaints about a company.

Auto insurance specifics

Knowing the specifics of a auto insurance policy can help you determine the right coverages for your vehicles. Auto insurance terms can be ambiguous and reading a policy is terribly boring. Listed below are typical coverages available from auto insurance companies.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your vehicle.

Due to the fact that many Tennessee drivers have only the minimum liability required by law (25/50/15), it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family. Most of the time your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills like chiropractic care, surgery and hospital visits. They are often utilized in addition to your health insurance program or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Comprehensive coverage (or Other than Collision)

This coverage pays for damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Murfreesboro Tennessee car insurance

Comprehensive can pay for claims such as vandalism, falling objects, hitting a deer and rock chips in glass. The maximum amount your auto insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Liability auto insurance

This coverage provides protection from injuries or damage you cause to a person or their property by causing an accident. Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 50/100/50 that means you have a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery. Another option is a combined single limit or CSL which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage protects against claims such as structural damage, loss of income and medical services. How much coverage you buy is your choice, but you should buy as large an amount as possible. Tennessee requires minimum liability limits of 25,000/50,000/15,000 but you should consider buying more liability than the minimum.

Coverage for collisions

Collision coverage pays for damage to your vehicle caused by collision with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as backing into a parked car, sustaining damage from a pot hole and colliding with a tree. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to save money on collision insurance.

A little work can save a LOT of money

As you go through the steps to switch your coverage, make sure you don’t skimp on coverage in order to save money. There have been many cases where an insured cut physical damage coverage and found out when filing a claim that the small savings ended up costing them much more. Your strategy should be to get the best coverage possible at an affordable rate while not skimping on critical coverages.

Cost effective auto insurance is definitely available both online in addition to many Murfreesboro insurance agents, so compare prices from both to have the best rate selection. A few companies do not provide online price quotes and these regional insurance providers work with independent agents.