8 Ways to Pay Less on Car Insurance in Sevierville

If shopping for car insurance online is new to you, you may be confused by the vast number of online companies selling insurance in Sevierville.

Smart consumers take time to compare rates before your policy renews due to the fact that insurance rates are rarely the same from one policy term to another. Even if you got the best rates two years ago there may be better deals available now. Block out anything you think you know about car insurance because we’re going to demonstrate the best methods to lower your rates without sacrificing coverage.

Cheap Sevierville Car Insurance Comparisons

The are a couple different ways to compare rate quotes from different in Sevierville, Tennesseeinsurance companies. The best method to find the cheapest insurance rates is to perform an online rate comparison. It is quite easy and can be accomplished in just a few minutes using one of these methods.

One of the best ways to find low rates would be an industry-wide quote request form click to view form in new window. This type of form prevents you from having to do repetitive form entry for every car insurance company. One form submission will return quotes from many national carriers.It’s the quickest way to get rates.

A slightly less efficient method to shop for car insurance online requires a visit to each company’s website to complete a price quote. For sake of this example, let’s say you want to compare Liberty Mutual, Esurance and State Farm. To get each rate you have to take the time to go to each site and enter your information, and that’s why the first method is more popular.

To view a list of companies in Sevierville, click here.

The least recommended method of comparing rate quotes is to drive around to different agent offices. Shopping for car insurance online eliminates the need for an insurance agent unless you prefer the trained guidance only provided by licensed agents. You can, however, obtain prices from the web but still have the advice of a local agent and we’ll talk about that later.

Whichever method you choose, make sure you use the exact same coverages and limits with each company. If you use higher or lower deductibles it will be impossible to find the best deal in Sevierville. Slightly different limits may result in large price differences. And when price shopping your coverage, more quotes will enable you to find the best rates.

Discounts are available to cut your rates

Companies that sell car insurance don’t always advertise every available discount very well, so we researched both the well known as well as the least known car insurance savings.

  • E-sign – A few companies give back up to $50 just for signing your application over the internet.
  • Multi-policy Discount – When you combine your home and auto insurance with the same company you could get a discount of at least 10% off all policies.
  • Defensive Driving Course – Taking a course in driver safety could possibly earn you a 5% discount if your company offers it.
  • Life Insurance Discount – Companies who offer life insurance give lower rates if you buy auto and life insurance together.
  • Employee of Federal Government – Employees or retirees of the government can earn a discount up to 10% with certain companies.
  • No Accidents – Good drivers with no accidents can save substantially compared to bad drivers.
  • Fewer Miles Equal More Savings – Keeping the miles down could qualify for a substantially lower rate.
  • Student in College – Children who live away from home without a vehicle on campus may qualify for this discount.

Drivers should understand that some credits don’t apply to the entire policy premium. Some only apply to specific coverage prices like liability and collision coverage. Just because you may think all those discounts means the company will pay you, car insurance companies aren’t that generous.

For a list of insurers with the best car insurance discounts in Sevierville, click here.

Compare online but buy from a local Sevierville agent

Some people would prefer to sit down with an agent and that is OK! One of the great benefits of price shopping on the web is you can get the lowest rates and still choose a local agent.

Once you complete this quick form, the coverage information is immediately sent to local insurance agents in Sevierville who will give you bids for your business. There is no need to drive around since price quotes are sent immediately to your email address. You’ll get the best rates AND an agent nearby.

Picking an provider needs to be determined by more than just a low price. Here are some questions to ask:

  • If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
  • Do they feel the quoted coverages are adequate?
  • If they are an independent agency, which companies do they recommend?
  • Are claims handled at the agent’s location?
  • Is vehicle damage repaired with OEM or aftermarket parts?
  • If your car is totalled, how to they determine the replacement cost?

Listed below is a list of insurance companies in Sevierville who can help you get rate quotes.

  • Farm Bureau Insurance – 300 Court Ave, Sevierville, TN 37862 – (865) 453-9046
  • Allstate Insurance Co – 1338 Parkway # 1, Sevierville, TN 37862 – (865) 453-1094
  • State Farm Insurance – 232 Forks Of The River Pkwy, Sevierville, TN 37862 – (865) 453-6639
  • Farmers Insurance Group – 144 W Main St, Sevierville, TN 37862 – (865) 453-2952
  • Tom Atchley Insurance – 112 E Main St, Sevierville, TN 37862 – (865) 428-2618
  • Ownby Insurance Svc Inc – 400 Court Ave, Sevierville, TN 37862 – (865) 453-1414
  • David Owenby Agency – 507 Dolly Parton Pkwy, Sevierville, TN 37862 – (865) 908-3680

For a complete listing of licensed insurance agents in Sevierville, view this link.

Once you have good answers for all questions you ask in addition to an acceptable price estimate, it’s possible that you found an insurer that can adequately provide car insurance. But keep in mind consumers can terminate your policy at any time so don’t feel you’re contractually obligated to your new company for any length of time.

Car insurance is unique, just like you

When choosing proper insurance coverage, there isn’t really a single plan that fits everyone. Every situation is different.

Here are some questions about coverages that could help you determine whether you could use an agent’s help.

  • Does my personal auto insurance policy cover using my vehicle for business use?
  • Who is covered when they drive my vehicle?
  • Exactly who is provided coverage by my policy?
  • Do I have coverage when pulling a U-Haul trailer?
  • Should I sign the liability waiver when renting a car?
  • What vehicles should carry emergency assistance coverage?
  • Is my vehicle covered by my employer’s policy when using it for work?

If you’re not sure about those questions, you may need to chat with an insurance agent. If you want to speak to an agent in your area, fill out this quick form.

Additional detailed information is available at the Tennessee Department of Commerce and Insurance website. Tennessee drivers can find out industry alerts, file complaints about a company, and learn about insurance regulations.

Car insurance coverage information

Learning about specific coverages of car insurance aids in choosing the right coverages and proper limits and deductibles. Policy terminology can be ambiguous and reading a policy is terribly boring.

Comprehensive insurance

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like theft, a broken windshield, damage from getting keyed, damage from flooding and vandalism. The most a car insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage pay for bills for things like dental work, hospital visits, doctor visits, EMT expenses and nursing services. The coverages can be used to fill the gap from your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Auto collision coverage

This pays for damage to your vehicle from colliding with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like damaging your car on a curb, crashing into a building, rolling your car and backing into a parked car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

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Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and damage to your vehicle.

Because many people only purchase the least amount of liability that is required (which is 25/50/15), it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked.

Liability auto insurance

This can cover injuries or damage you cause to a person or their property in an accident. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 50/100/50 that means you have $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage protects against claims such as medical expenses, medical services and pain and suffering. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford. Tennessee requires minimum liability limits of 25,000/50,000/15,000 but you should consider buying more liability than the minimum.

In conclusion

When buying insurance coverage, it’s not a good idea to buy poor coverage just to save money. There are a lot of situations where an insured dropped physical damage coverage to discover at claim time that it was a big mistake. Your strategy should be to get the best coverage possible for the lowest price, not the least amount of coverage.

People who switch companies do it for any number of reasons including extreme rates for teen drivers, high prices, lack of trust in their agent and policy non-renewal. No matter why you want to switch, switching companies is not as difficult as it may seem.

You just read a lot of ways to lower your car insurance rates. The key thing to remember is the more price quotes you have, the more likely it is that you will get a better rate. Consumers could even find that the lowest premiums are with a small mutual company.