Buy Brownsville Tennessee Car Insurance Like a Penny-pincher

Being forced to pay for expensive car insurance premiums can empty your budget and make it impossible to make ends meet. Insurance companies such as State Farm and Geico all claim big savings, bombarding you with advertising and it can be hard to sift through the bull and take the time to shop coverage around.

If you currently have car insurance, you should be able to cut costs considerably using this information. Buying car insurance in Brownsville is not that difficult. Although Tennessee car owners must comprehend the way insurance companies compete online and take advantage of how the system works.

To get , there a variety of ways to compare rate quotes from many different Tennessee insurance companies. The simplest method to find affordable insurance rates is to use the internet to compare rates. This is quite simple and can be completed in a couple of different ways.

  1. One of the best ways to get the best comparison quotes would be an industry-wide quote request form click here to open form in new window. This quick form saves time by eliminating separate forms to each individual car insurance company. One quote request gets you coverage quotes from car insurance companies with the best prices.
  2. A harder way to find more affordable insurance consists of going to the website for every company you want to comare and repeat the quote process. For sake of this example, we’ll assume you want rates from Auto-Owners, State Farm and Allstate. To do that, you would have to go to every website to enter the same coverage data repeatedly, which explains why we recommend starting with the first method. To view a list of companies in Brownsville, click here.
  3. The final method of getting rate comparisons is to spend time driving to different Brownsville agent offices. Comparing rates online reduces the need to sit down with an agent unless you’re the type of person who wants the professional assistance that you can only get from talking to an agent. If you prefer, some companies allow you to compare online quotes and still use a local agent.

Take whichever approach you prefer, but compare apples-to-apples coverage limits with each company. If you use differing limits you will not be able to determine which company has the best rates in Brownsville. Slightly different coverage limits could skew the results. Just keep in mind that making a lot of price comparisons provides better odds of finding more affordable rates. Some smaller insurers to not give online quotes, so it’s recommended that you also compare price quotes on coverage from those companies, too.

Car insurance advertisements

Big name companies like 21st Century, Allstate and State Farm regularly use ads on television and other media. All the ads have a common claim that drivers will save a bundle if you move your policy. Is it even possible that every company can cost less than your current company? Here is the trick they use.

Car insurance companies quote the lowest rates for the type of customer that makes them money. For example, a driver they prefer could possibly be between the ages of 30 and 45, has never had a policy lapse, and has excellent credit. Someone who meets those qualifications will get a cheap rate quote and will also save a lot if they switch.

Potential insureds who fall outside the “perfect” profile may be required to pay higher prices which leads to the prospect going elsewhere. The trick is to say “drivers who switch” not “everyone who quotes” save that much money. That’s the way insurance companies can confidently make it sound like they have such great prices.

This really emphasizes why you really should compare as many as you can. It’s just not possible to know which company will have the best premium rates at this point in time.

Lower-cost Brownsville car insurance rates with discounts

Car insurance is expensive, but you may qualify for discounts that may help make it more affordable. A few discounts will be applied when you get a quote, but some may not be applied and must be manually applied prior to receiving the credit. If you do not check that you are getting every discount available, you are paying more than you should be.

  • Military Discounts – Having an actively deployed family member could qualify you for better premium rates.
  • Switch and Save Discount – Some car insurance companies give discounts for signing up prior to your current policy expiring. It’s a savings of about 10%.
  • Braking Control Discount – Vehicles with ABS braking systems or traction control prevent accidents and will save you 10% or more.
  • Defensive Driving Course – Taking part in a course that instructs on driving safety could cut 5% off your bill depending on where you live.
  • Bundle and Save – If you combine your homeowners and auto policies and place coverage with the same company you will save at least 10 to 15 percent or more.
  • First Accident Forgiveness – Not necessarily a discount, but companies like Geico and Allstate allow you one accident before raising your premiums so long as you haven’t had any claims for a certain period of time.

We need to note that some credits don’t apply to the entire policy premium. Most cut the price of certain insurance coverages like comprehensive or collision. Just because it seems like it’s possible to get free car insurance, companies don’t profit that way.

Popular car insurance companies and a partial list of their discounts can be read money image

  • Farmers Insurance offers discounts for pay in full, business and professional, early shopping, youthful driver, homeowner, and mature driver.
  • State Farm discounts include passive restraint, good driver, Drive Safe & Save, Steer Clear safe driver discount, accident-free, defensive driving training, and safe vehicle.
  • Liberty Mutual has discounts for newly retired, new graduate, multi-car, multi-policy, good student, and safety features.
  • MetLife has savings for accident-free, multi-policy, good student, defensive driver, good driver, claim-free
  • Progressive includes discounts for online signing, multi-vehicle, homeowner, online quote discount, good student, continuous coverage, and multi-policy.

If you are trying to find , ask every insurance company how you can save money. Discounts might not be available to policyholders in your state. To see insurance companies that offer many of these discounts in Brownsville, click here to view.

Comparing rates from local Brownsville car insurance agents

Many drivers still like to sit down and talk to an agent and that is OK! One of the best bonuses of comparing rates online is you may find lower rates and still have a local agent. And supporting neighborhood insurance agencies is important particularly in Brownsville.

After completing this form (opens in new window), your insurance data gets sent to local insurance agents in Brownsville who want to provide quotes for your business. There is no reason to contact any agents as quotes are delivered instantly to you. You’ll get the best rates and work with a local agent. If you want to get a price quote from one company in particular, you just need to navigate to their website and fill out their quote form.

If you would like to find a local agent, it can be helpful to understand the types of agencies and how they function. Car insurance agents in Brownsville are classified as either captive or independent.

Independent Insurance Agents

Agents of this type are not required to write business for one company and that allows them to write policies with a variety of different insurance companies and potentially find a lower price. If premiums increase, they simply switch companies in-house and the insured can keep the same agent.

When searching for an agent, it’s a good idea to get several quotes from several independent insurance agents in order to have the best price comparison.

Shown below is a partial list of independent insurance agencies in Brownsville that may be able to give cheap rate quotes.

Golden Circle Insurance – 39 S Jackson Ave – Brownsville, TN 38012 – (731) 772-9932
Betty J Williams Insurance – 55 S Washington Ave – Brownsville, TN 38012 – (731) 772-5969
Direct General Ins Agency – 131 E Main St – Brownsville, TN 38012 – (731) 772-6305
Smith-Jacocks Agency Inc – 116 S Washington Ave – Brownsville, TN 38012 – (731) 772-0452

Captive Insurance Agencies

Captive agents work for only one company and some examples include American Family, State Farm, and AAA. Captives cannot give you multiple price quotes so always compare other rates. Captives receive extensive training on their company’s products and that enables them to sell even at higher rates.

Shown below is a list of captive agencies in Brownsville willing to provide price quotes.

Farm Bureau Insurance – 489 N Dupree Ave – Brownsville, TN 38012 – (731) 772-9671
State Farm Insurance – 1014 E Main St – Brownsville, TN 38012 – (731) 772-6600

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To view insurance agencies near you, feel free to click for a list of Brownsville car insurance providers.

Picking a car insurance agent requires more thought than just the premium amount. The answers to these questions are important, too.

  • Is vehicle damage repaired with OEM or aftermarket parts?
  • Do the companies they represent have a solid financial rating?
  • Does their agency support local causes in Brownsville?
  • How long have they been in business?
  • Do they review policy coverages at every renewal?
  • Are they able to provide referrals?

It’s not one size fits all

When it comes to buying coverage, there really is no single plan that fits everyone. Each situation is unique and a cookie cutter policy won’t apply. For instance, these questions may help highlight if your insurance needs will benefit from professional help.

  • Do I qualify for additional discounts?
  • If my vehicle is totaled, can I afford another vehicle?
  • What are Tennessee no-fault laws?
  • Do I need special endorsements for business use of my vehicle?
  • Does coverage extend to a rental car in a foreign country?
  • Is rental equipment covered for theft or damage?
  • Is my cargo covered for damage or theft?
  • Who is covered when they drive my vehicle?
  • Should I sign the liability waiver when renting a car?
  • Does my insurance cover damage caused when ticketed for reckless driving?

If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to a licensed agent. To find an agent in your area, take a second and complete this form or you can also visit this page to select a carrier

More information is located on the located here. Consumers can find out which companies have the most complaints, get help finding coverage, learn about insurance regulations, and file complaints about a company.

The following information may also be useful.

Don’t give up on cheaper premiums

We just presented many tips how you can lower your car insurance premium rates. The key concept to understand is the more times you quote, the better likelihood of getting . You may even find the lowest premium rates come from some of the lesser-known companies. These smaller insurers can often insure niche markets at a lower cost than the large multi-state companies such as Geico and State Farm.

When getting , make sure you don’t reduce needed coverages to save money. There have been many situations where someone dropped full coverage only to find out that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to purchase plenty of coverage at the lowest possible cost, not the least amount of coverage.