Lexington, TN Car Insurance Savings the Companies Don’t Want You to Know About

Are you sick and tired of scraping nickels together to keep your car insured? Your situation is no different than many other people in Tennessee. Companies like Allstate, Progressive and Geico promote their brand names with advertising and it is challenging if not impossible to separate fact from fiction and effectively compare rates to find the best deal.

First Step: Get free car insurance quotes

Performing a rate comparison can be a daunting task if you don’t understand the most efficient way to do it. You could waste a few hours driving to insurance companies in Lexington, or you can stay home and use the web to get pricing more quickly.

Many companies are enrolled in a marketplace that allows shoppers to send in one quote, and each company then returns a price quote determined by their information. This eliminates the need for form submissions to each company.

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The only downside to pricing coverage this way is that you can’t choose the companies to receive prices from. If you wish to select individual companies to compare prices, we have a page of the cheapest car insurance companies in Tennessee. Click to view list.

The approach you take is up to you, just make darn sure you compare equivalent deductibles and coverage limits for each price quote. If each company quotes different liability limits you can’t possibly determine the best price in Lexington.

When to have guidance from a local insurance agent

Many drivers still prefer to get advice from a local agent and that is not a bad decision Good insurance agents can help determine the best coverages and help you file claims. One of the benefits of comparing rates online is the fact that drivers can get cheap car insurance quotes and still have a local agent.Lexington Tennessee insurance comparisons

Upon completion of this quick form, your insurance coverage information is immediately sent to companies in Lexington who can give free rate quotes to get your business. You don’t have to leave your house since rate quotes are delivered immediately to you. If for some reason you want to compare prices from a particular provider, you can always go to their quote page and fill out their quote form.

Finding the right insurer needs to be determined by more than just the price. Any agent should be willing to answer these questions.

  • Which insurance company do they prefer to write with?
  • What will you get paid if your car is a total loss? How is that amount determined?
  • Who are their largest clients?
  • Does the agent recommend any additional coverage?
  • Are they involved in claim handling?

If you need to find a reliable insurance agency, it can be helpful to understand the types of agencies and how they can quote your rates. Agents in Lexington can be classified as either captive or independent agents depending on their company appointments. Either type can sell and service car insurance coverage, but it’s worth mentioning how they differ since it can affect the type of agent you choose.

Captive Agents

These agents can only provide one company’s prices like Farmers Insurance, American Family, State Farm and Allstate. They generally cannot place coverage with different providers so if the price isn’t competitive there isn’t much they can do. These agents receive a lot of sales training on their products and sales techniques which helps overcome the inability to quote other rates.

Shown below is a list of captive insurance agents in Lexington willing to provide price quote information.

State Farm Insurance – 610 W Church St – Lexington, TN 38351 – (731) 968-9199

Independent Car Insurance Agencies

Agents that choose to be independent often have affiliation with several companies so they can quote policies through many companies and find the cheapest rate. If premiums increase, your agent can just switch to a different company and the insured can keep the same agent. When shopping rates, we recommend you include several independent agencies to have the most options to choose from.

Lexington Tennessee insurance comparisons

The following is a short list of independent agents in Lexington that are able to give price quotes.

Salmon Johnson Insurance – 23 N Main St – Lexington, TN 38351 – (731) 968-5000
Cogdell’s Insurance – 111 N Main St – Lexington, TN 38351 – (731) 968-4300
Direct General Ins Agency – 455 W Church St – Lexington, TN 38351 – (731) 968-0096
Carnal Roberts Agency – 31 Natchez Trace Dr S – Lexington, TN 38351 – (731) 968-6649

To view additional insurance agents in Lexington, you may want to visit this complete selection of Lexington car insurance agencies.

For more Tennessee car insurance information

Even more information is located at the Tennessee Department of Commerce and Insurance website. Consumers can learn about insurance regulations, file complaints about an insurance agent or broker, find out industry alerts, and find out which companies have the most complaints.

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