Things You Must Know Before Buying Morristown, TN Car Insurance Online

Nobody looks forward to buying car insurance, especially knowing they are paying too much.

With so many online and local companies to choose from, it can be impossible to pick the best car insurance company.

Buying cheaper car insurance coverage in Morristown is easy if you know what you’re doing. Just about every vehicle owner who has to buy car insurance most likely will be able to lower their premiums. But Tennessee vehicle owners must know the way insurance companies compete online and take advantage of how the system works.

Pay less by taking advantage of discounts

Insuring your vehicles can cost a lot, but there could be available discounts that you may not even be aware of. Certain discounts will be triggered automatically when you get a quote, but less common discounts must be requested specifically prior to receiving the credit.

  • Safety Course Discount – Taking part in a course in driver safety could save 5% or more if you qualify.
  • Military Rewards – Having a family member in the military can result in better rates.
  • Multi-car Discount – Insuring more than one vehicle on the same car insurance policy qualifies for this discount.
  • Homeowners Discount – Owning a home in Morristown can help you save on car insurance because owning a home shows financial diligence.
  • Anti-theft System – Anti-theft and alarm systems help deter theft and will save you 10% or more.
  • Life Insurance Discount – Some companies give a break if you buy life insurance.

Drivers should understand that most discount credits are not given to the entire policy premium. Most only apply to the cost of specific coverages such as liability, collision or medical payments. So when the math indicates all the discounts add up to a free policy, you won’t be that lucky. Any amount of discount will help reduce your overall premium however.

To choose insurers offering car insurance discounts in Tennessee, click this link.

Quote online but work with a neighborhood agent

Some people prefer to get advice from a local agent and that is OK! One of the best bonuses of getting online price quotes is you may find lower rates and still choose a local agent. Buying from small agencies is definitely important in Morristown.

By using this form (opens in new window), your insurance coverage information is sent to local insurance agents in Morristown who will compete for your coverage. There is no reason to visit any agencies as quotes are delivered directly to your email. How’s that for easy! Get lower rates without the usual hassles of price shopping.

What type of Morristown car insurance agent is right for you?

When searching for a reliable agent, you need to know there are two types of insurance agents that differ in how they can insure your vehicles. Agents are either independent (non-captive) or captive.Morristown insurance comparisons

Independent Agents (or Brokers)

Independent agencies are not locked into one company but instead can place your coverage amongst many companies depending on which coverage is best. To move your coverage to a new company, an independent agent can move your coverage and you don’t have to find a new agent. When searching for an agent, it’s a good idea to include price quotes from at least one independent agent to get the best comparison.

Listed below is a list of independent agents in Morristown that may be able to provide rate quotes.

Eddie Overholt Insurance – 812 E Morris Blvd – Morristown, TN 37813 – (423) 586-9280
C A Lawless Agency – 310 Sulphur Springs Rd – Morristown, TN 37813 – (423) 587-4580
Sam Neill Insurance – 910 W Main St – Morristown, TN 37814 – (423) 587-3558
Direct General Ins Agency – 2115 W Andrew Johnson Hwy – Morristown, TN 37814 – (423) 587-6655

Captive Insurance Agents

Captive agents can only place business with one company like AAA, Allstate, State Farm, Farmers Insurance or Liberty Mutual. They are unable to shop your coverage around so always compare other rates. Captives are very knowledgeable on their company’s products which helps them compete with independent agents.

Below is a short list of captive insurance agents in Morristown that can give you price quotes.

Shelter Insurance – 3606 W Andrew Johnson Hwy # 18 – Morristown, TN 37814 – (423) 581-6799
Farmers Insurance Group – 911 W 1st North St – Morristown, TN 37814 – (423) 587-2898
Allstate Insurance – 416 W 1st North St – Morristown, TN 37814 – (423) 587-5511
State Farm Insurance – 708 W 1st North St – Morristown, TN 37814 – (423) 581-9390

For a full directory of captive insurance agents in Morristown, view this link.

Picking an insurance agent should depend on more than just the premium amount. These are valid questions to ask:

  • How are they compensated?
  • Do they make recommendations based only on price?
  • What insurance company do they write the most business with?
  • Are claims handled at the agent’s location?
  • Do they review policy coverages at every renewal?
  • What insurance companies do they work with?
  • How long has their agency been in business in Morristown?

Once you have received positive responses for all questions you ask and a good coverage price, chances are good that you have found an insurance agent that is a good match to properly insure your vehicles.

Tennessee car insurance

How can Allstate, GEICO and Progressive save drivers who switch?

Car insurance providers like Allstate, GEICO and Progressive regularly use ads on television and other media. They all make the same claim about savings if you move your policy. How can each company make almost identical claims?

All companies have a preferred profile for the driver that makes them money. For example, a driver they prefer might be over the age of 50, owns a home, and has great credit. Any driver who meets those qualifications will get the preferred rates and is almost guaranteed to cut their rates substantially.

Drivers who don’t qualify for this ideal profile will have to pay higher prices and ends up with the customer not buying. The ad wording is “customers that switch” not “everyone that quotes” save that much. That’s the way companies can truthfully make the claims of big savings.

Because of the profiling, drivers should get as many comparisons as possible. You cannot predict which insurance companies will give you the biggest savings.

More information is located on the website for the Tennessee Department of Commerce and Insurance through this link. Tennessee consumers can read industry bulletins, read enforcement actions against agents and companies, and find disaster information.

In Summary

Affordable car insurance can be found both online in addition to many Morristown insurance agents, so you should compare both to have the best rate selection. A few companies do not provide the ability to get a quote online and most of the time these small insurance companies sell through independent agents.

As you prepare to switch companies, it’s not a good idea to buy lower coverage limits just to save a few bucks. In many instances, someone sacrificed collision coverage only to regret at claim time that it was a big error on their part. Your focus should be to purchase a proper amount of coverage at a price you can afford while still protecting your assets.