Have you fallen victim to an overpriced auto insurance policy? Trust us when we tell you you are not the only one feeling buyer’s remorse. Big-name insurance companies like State Farm, Farmers Insurance, Geico and Allstate all claim big savings with ads and it is difficult to see through the deception and do the work needed to find the best deal.
If you have a policy now or are just looking to switch companies, you can use this information to reduce the price you pay and still get good coverage. Finding affordable coverage in Cleveland is easy if you know what you’re doing. Tennessee drivers just need to understand the proper way to shop online.
Auto Insurance Comparison Rates in Cleveland, TN
There are a lot of ways to compare auto insurance prices but one way is less labor-intensive and much quicker. You could spend the better part of a day talking to insurance agencies in Cleveland, or you could save time and use online quoting to achieve your goal.
Most car insurance companies participate in a marketplace where insurance shoppers submit their information once, and each company provides a quote based on that data. This prevents consumers from doing repetitive form submissions for each company you want a rate for.
To compare rates now click here to start a free quote.
The only downside to comparing rates this way is you cannot specify the providers you want to price. So if you want to choose specific insurance companies to request quotes from, we have assembled a list of companies who write auto insurance in Tennessee. Click here to view list.
Which method you use is up to you, but compare the exact same coverage information for every company. If you use different limits and deductibles on each one it’s not possible to make an equal comparison in Cleveland.
Be sure to get all your discounts
Companies offering auto insurance do not list every available discount very clearly, so the following is a list of some of the more common as well as the least known savings tricks you should be using. If you’re not getting every credit you qualify for, you’re just leaving money on the table.
- Drivers Ed for Students – Have your child enroll in driver’s education in school.
- Fewer Miles Equal More Savings – Keeping the miles down can qualify you for discounted rates on garaged vehicles.
- Early Signing – Select companies give a discount for switching policies before your current expiration date. This can save 10% or more.
- Discounts for Safe Drivers – Drivers who avoid accidents may receive a discount up to 45% less than their less cautious counterparts.
- Passive Restraint Discount – Factory air bags and/or automatic seat belt systems can qualify for discounts of up to 25% or more.
As a disclaimer on discounts, some credits don’t apply to the entire cost. Some only apply to individual premiums such as medical payments or collision. Even though it may seem like all those discounts means the company will pay you, companies wouldn’t make money that way.
To see a list of providers with discount auto insurance rates in Cleveland, click here.
What happened to insurance agents?
Some people would rather visit with an insurance agent and there is nothing wrong with that. Educated insurance agents can help determine the best coverages and help in the event of a claim. One of the best bonuses of getting online price quotes is you may find better rates and still choose a local agent.
For easy comparison, once you complete this simple form, your insurance coverage information is immediately sent to local insurance agents who will battle for your insurance coverage. There is no need to leave your computer since price quotes are sent to the email address you provide. How cool is that?!
Selecting a company should depend on more than just a cheap price. Any agent should have no problem answering these questions:
- Do clients work directly with the agent or are most inquiries handled by a CSR?
- Do they assist clients in filing claims?
- Do the companies they represent have a solid financial rating?
- If your car is in the repair shop, do you have coverage for a rental car?
- Are there any hidden costs in their price quote and does it include driving and credit history?
Cleveland insurance agencies are either independent or captive
When looking for a local agent, there are a couple of different agency structures to choose from. Insurance agencies in Cleveland are classified as either captive or independent (non-captive). Both types can do a good job, but it’s important to know how they are different since it can impact the selection process.
Captive Insurance Agents
Captive agents can only write with one company such as State Farm, Allstate and AAA. They usually cannot shop your coverage around so keep that in mind. Captives are very knowledgeable on the products they sell which helps them sell insurance even at higher premiums.
Shown below is a list of captive agents in Cleveland who may provide you with price quotes.
Farm Bureau Insurance – 435 Berywood Trl NW – Cleveland, TN 37312 – (423) 479-9755
State Farm Insurance – 3535 Keith St NW – Cleveland, TN 37312 – (423) 472-1494
Farmers Insurance Group – 2565 Georgetown Rd NW – Cleveland, TN 37311 – (423) 614-0900
Shelter Insurance – 4009 Keith St NW – Cleveland, TN 37312 – (423) 476-1300
Allstate Insurance Co – 2559 Georgetown Rd NE – Cleveland, TN 37311 – (423) 472-8438
Independent Agents (or Brokers)
Independent agencies are not employed by any specific company but instead can place your coverage with many different companies depending on which coverage is best. If your agent finds better pricing, an independent agent can move your coverage without you having to go to a different agency.
When shopping rates, it’s recommended you get quotes from at a minimum one independent agency for maximum quote selection.
Listed below is a list of independent agencies in Cleveland willing to provide price quotes.
Donohoo Agency – 1380 Village Oak Cir NW – Cleveland, TN 37312 – (423) 472-4501
Direct General Ins Agency – 2700 Keith St NW # 1 – Cleveland, TN 37312 – (423) 559-1221
Nationwide Insurance – 476 1st St NW – Cleveland, TN 37311 – (423) 472-7346
Farm Bureau Insurance – 2540 Keith St NW – Cleveland, TN 37312 – (423) 479-9755
Acceptance Insurance Agency – 2409 Keith St NW – Cleveland, TN 37311 – (423) 339-1200
For a full directory of Cleveland insurance agents, visit this link.
Once you have received answers to your satisfaction to any questions you have and locked in a price quote, you have narrowed it down to a car insurance agent that is a good match to insure your vehicles.
Additional detailed information is located at the Tennessee Department of Commerce and Insurance website. Tennessee consumers can discover disciplinary actions, report car insurance fraud, and file complaints about an insurance agent or broker.
The following articles may also be useful.
- Finding the Right Insurance Agent in Cleveland
- Proven Strategies for Buying Cleveland, OH Car Insurance at a Discount
Affordable insurance is out there
We’ve covered some good ideas how to lower your auto insurance rates. It’s most important to understand that the more times you quote, the better chance you’ll have of finding lower rates. You may even find the most savings is with a small mutual company. They can often insure niche markets at a lower cost as compared to the big name companies such as State Farm and Allstate.
While you’re price shopping online, you should never sacrifice coverage to reduce premiums. Too many times, drivers have reduced full coverage to discover at claim time they didn’t purchase enough coverage. Your goal should be to buy a smart amount of coverage for the lowest price, not the least amount of coverage.