Finding lower premiums on Greeneville car insurance is hard for people who are new to comparing rates online. You have so many companies to choose from that it can quickly become more work than you anticipated to find the best price in Greeneville.
It’s a good idea to do rate comparisons once or twice a year due to the fact that insurance rates change quite often. If you had the best deal two years ago the chances are good that you can find a lower rate today. Ignore everything you know about car insurance because I’m going to let you in on the secrets to the fastest and easiest way to find better coverage at a better price.
Comprehensive Greeneville Car Insurance Comparison Quotes
Cutting your Greeneville car insurance rates can be relatively painless. Drivers just need to take a couple of minutes getting comparison quotes provided by online insurance companies. This is very easy and can be done in just a few minutes using one of these methods.
- Probably the best way to get quotes is a comparison rater form like this one (opens in new window). This easy form saves time by eliminating separate quotation requests to each individual car insurance company. One quote request will get you price quotes from several companies. It’s definitely the quickest method.
- Another way to find lower rates requires a visit to each individual company website and request a quote. For example, we’ll pretend you want comparison quotes from Auto-Owners, Progressive and GMAC. To get each rate you have to take the time to go to each site and enter your policy data, which is why the first method is quicker.
For a list of links to insurance companies in Greeneville, click here.
However you get your quotes, make sure you use apples-to-apples coverage limits for each comparison quote. If you have unequal deductibles or liability limits you will not be able to make a fair comparison in Greeneville.
Save money by taking advantage of these six discounts
Auto insurance companies don’t necessarily list every available discount very well, so we break down both well-publicized as well as the least known ways to save on car insurance. If you don’t get every credit possible, you’re paying more than you need to.
- Senior Citizens – Older drivers may receive reduced rates.
- Defensive Driving Course – Successfully completing a driver safety course could save 5% or more if your company offers it.
- Safe Driver Discount – Safe drivers may save up to 50% more than their less cautious counterparts.
- Auto/Life Discount – Select insurance companies reward you with a break if you buy life insurance from them.
- No Accidents – Good drivers with no accidents can earn big discounts when compared with bad drivers.
- Passive Restraints and Air Bags – Vehicles equipped with air bags or motorized seat belts can get savings of more than 20%.
As a disclaimer on discounts, some of the credits will not apply to the entire policy premium. The majority will only reduce individual premiums such as liability, collision or medical payments. So despite the fact that it appears all those discounts means the company will pay you, it doesn’t quite work that way.
When should I use an insurance agent?
When choosing proper insurance coverage for your personal vehicles, there really is not a single plan that fits everyone. Coverage needs to be tailored to your specific needs.
For example, these questions can help discover if your insurance needs may require specific advice.
- Can I rate high risk drivers on liability-only vehicles?
- Who is covered by my policy?
- Are rental cars covered under my policy?
- Can I afford to pay high deductible claims out of pocket?
- When would I need additional glass coverage?
- Will I be non-renewed for getting a DUI or other conviction?
- How can I get high-risk coverage after a DUI?
- When should I drop full coverage on my vehicle?
- At what point should I drop full coverage?
- Do I need roadside assistance coverage?
If you can’t answer these questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form. It’s fast, doesn’t cost anything and you can get the answers you need.
Car insurance coverages 101
Having a good grasp of your policy aids in choosing the best coverages for your vehicles. The terms used in a policy can be confusing and reading a policy is terribly boring.
Insurance for medical payments – Med pay and PIP coverage provide coverage for expenses like EMT expenses, hospital visits, doctor visits, ambulance fees and prosthetic devices. The coverages can be utilized in addition to your health insurance policy or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. PIP is not an option in every state but can be used in place of medical payments coverage
Collision coverages – This 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 protects against claims such as colliding with another moving vehicle, hitting a parking meter and scraping a guard rail. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Drivers also have the option to raise the deductible to get cheaper collision coverage.
Uninsured Motorist or Underinsured Motorist insurance – This coverage gives you protection when other motorists either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and also any damage incurred to your vehicle.
Since a lot of drivers only purchase the least amount of liability that is required (Tennessee limits are 25/50/15), their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important.
Comprehensive coverage (or Other than Collision) – This coverage covers damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.
Comprehensive coverage protects against claims like damage from getting keyed, fire damage and rock chips in glass. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.
Liability – Liability insurance provides protection from damage that occurs to other people or property by causing an accident. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 50/100/50 which stand for $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.
Liability can pay for things like medical services, repair costs for stationary objects, court costs and structural damage. How much liability coverage do you need? That is up to you, but consider buying as much as you can afford. Tennessee state law requires minimum liability limits of 25,000/50,000/15,000 but it’s recommended drivers buy higher limits.
To find out more about Tennessee car insurance
More tips and info about car insurance can be read at the Tennessee Department of Commerce and Insurance website. Consumers can get help finding coverage, read state legal mandates and laws, and learn about specific coverages.