Find the Secrets to Saving Money on Murfreesboro Auto Insurance

Purchasing the lowest cost Murfreesboro auto insurance over the internet is somewhat difficult for beginners to shopping for insurance online. With so many choices of insurers to choose from, how can anyone even start to compare the different rates to find the best price?

Discounts are great for lower rates

Auto insurance companies don’t always publicize all their discounts in an easy-to-find place, so the following is a list of some of the more common and also the lesser-known discounts you could be receiving. If they aren’t giving you every credit you qualify for, you’re paying more than you need to.

  • Drive Safe and Save – Safe drivers may save up to 50% more than drivers with accidents.
  • Anti-lock Brake System – Vehicles equipped with ABS or steering control can avoid accidents and qualify for as much as a 10% discount.
  • Air Bag Discount – Vehicles with factory air bags and/or automatic seat belt systems can get savings of 20% or more.
  • Drive Less and Save – Driving fewer miles can qualify you for better rates on cars that stay parked.
  • Anti-theft Discount – Vehicles with anti-theft systems can help prevent theft and qualify for as much as a 10% discount.

As a disclaimer on discounts, many deductions do not apply the the whole policy. Most only reduce the price of certain insurance coverages like comp or med pay. So when it seems like adding up those discounts means a free policy, it just doesn’t work that way.

Informed Drivers can Cut Their Rates

Consumers need to have an understanding of the rating factors that go into determining auto insurance rates. When you know what positively or negatively determines base rates enables informed choices that will entitle you to lower auto insurance prices.

  • Older drivers save more – More mature drivers are more cautious drivers, tend to cause fewer accidents and receive fewer citations. Young drivers are statistically proven to be more careless when driving and because of this, their auto insurance rates are much higher.
  • Clean credit earns discounts – Having a bad credit score is a huge factor in calculating your auto insurance rates. Drivers with high credit scores tend to file fewer claims and have better driving records as compared to drivers with lower ratings. If your credit rating is low, you could potentially save money when insuring your by spending a little time repairing your credit.
  • Always keep insurance in force – Driving without insurance can get your license suspended and as a result your rates will increase for letting your insurance lapse. And not only will your rates increase, but not being able to provide proof of insurance will get you a revoked license or a big fine.You may have to provide proof of insurance in the form of an SR-22 filing with the Tennessee motor vehicle department.
  • Males pay more for insurance – Statistics demonstrate that men are more aggressive behind the wheel. That doesn’t necessarily mean that women are BETTER drivers than men. Women and men have accidents in similar numbers, but the males cause more damage. They also receive more costly citations such as reckless driving. Youthful male drivers tend to get in the most accidents and are penalized with high auto insurance rates.

But buying car insurance online seems impersonal

A small number of people would prefer to talk to a local agent and there is nothing wrong with that. Licensed agents can help determine the best coverages and help file insurance claims. One of the best bonuses of getting online price quotes is that you can obtain better rates and still have an agent to talk to.

For easy comparison, once you complete this short form, the coverage information is transmitted to local insurance agents who will give you bids for your insurance coverage. You never need to drive around due to the fact that quote results will go to your email. It doesn’t get any easier!

Picking an provider requires more thought than just the premium amount. Ask your prospective agent these questions:

  • What insurance companies do they work with?
  • How long has their agency been open in Murfreesboro?
  • Do they carry Errors and Omissions coverage?
  • If you are a high risk driver, do they have special markets for your coverage?
  • Are they full-time agents?
  • Will their companies depreciate repairs to your car based on the mileage?

Insurance agent types

When looking for a reliable agent, you need to know there are two different agency structures that differ in how they can insure your vehicles. Insurance agencies in Murfreesboro can either be captive or independent. Both types can properly insure your vehicles, but it’s good to learn how they differ since it can impact the selection rates in Murfreesboro Tennessee

Captive Insurance Agents

Captive insurance agents write business for a single company and some examples include Allstate, Farmers Insurance, State Farm and AAA. These agents are not able to provide prices from multiple companies so they have no alternatives for high prices. They are very knowledgeable on their products and sales techniques and that can be a competitive advantage. Some consumers prefer to buy insurance from these agents mostly because of the prominence of the brand and strong financial ratings.

Shown below is a list of captive agencies in Murfreesboro who may provide you with price quotes.

  • State Farm Insurance – 1535 W Northfield Blvd – Murfreesboro, TN 37129 – (615) 890-0850
  • Shelter Insurance – 238 W Northfield Blvd – Murfreesboro, TN 37129 – (615) 867-0120
  • Allstate Insurance Co – 555 Marietta Ave – Murfreesboro, TN 37129 – (615) 872-0120
  • Farm Bureau Insurance – 1806 Memorial Blvd # A – Murfreesboro, TN 37129 – (615) 867-9425
  • Farmers Insurance Group – 1338 W College St – Murfreesboro, TN 37129 – (615) 890-1493
Independent Agents (or Brokers)

Independent insurance agents are not employed by any specific company so they have the ability to put coverage amongst many companies depending on which coverage is best. If your agent finds better pricing, the business is moved internally and you don’t have to find a new agent.

When shopping rates, it’s recommended you contact at least one independent agent to get the best comparison. They also have the ability to place coverage with different regional companies which can save you money.

Shown below are Murfreesboro independent insurance agents that can give you rate quotes.

  • Ferris Insurance Svc – 4977 Lebanon Rd – Murfreesboro, TN 37129 – (615) 889-5887
  • Direct General Ins Agency – 1741 S Rutherford Blvd # N – Murfreesboro, TN 37130 – (615) 890-9061
  • Jim Lewis Agency – – Murfreesboro, TN 37129 – (615) 217-4987
  • Consumers Insurance USA – 1435 NW Broad St – Murfreesboro, TN 37129 – (615) 896-6133
  • Pike Agency – 110 Royal Glen Blvd – Murfreesboro, TN 37128 – (615) 896-8854

For a full directory of insurance agents in Murfreesboro, visit this link.

Once you have received good answers to your questions in addition to an acceptable price estimate, you may have just found an auto insurance agent that meets your needs to service your policy.

Murfreesboro insurance comparisons

Even more information is available at the Tennessee Department of Commerce and Insurance website. Tennessee consumers can find out industry alerts, find disaster information, and learn about specific coverages.

In conclusion

Insureds who switch companies do it for any number of reasons including delays in paying claims, denial of a claim, high prices and even poor customer service. It doesn’t matter what your reason, finding a new company can be less work than you think.

In this article, we presented many ways to shop for auto insurance online. The key concept to understand is the more price quotes you have, the better your comparison will be. Consumers could even find that the lowest premiums are with some of the smallest insurance companies.

When you buy insurance online, it’s very important that you do not reduce needed coverages to save money. In many cases, someone dropped uninsured motorist or liability limits only to find out that the savings was not a smart move. The aim is to get the best coverage possible at the best price while not skimping on critical coverages.