Never Buy Cookeville Tennessee Car Insurance Without Knowing These Money Saving Tricks

No one looks forward to buying car insurance, particularly when their premiums are through the roof. Insurance companies such as Allstate, Liberty Mutual and State Farm continually hit you with ads and it can be hard to separate fact from fiction and do the work needed to find the best deal.

If you are insured now or are looking for a new policy, you can follow these tips to cut your premiums and still get good coverage. Finding the best rates in Cookeville is easy if you know what you’re doing. Tennessee consumers just need to understand the best way to shop their coverage around online.

Low Cost Cookeville Car Insurance

Reducing your insurance rates is actually quite simple. The only thing you need to do is invest a little time comparing rate quotes provided by online insurance companies. This is very easy and can be done in several different ways.

The best way to compare a lot of rates at once would be an industry-wide quote request form click here to open form in new window. This form keeps you from doing boring form submissions for each company you want a rate for. One quote request compares rates from many national carriers.

A less efficient way to find lower rates requires a visit to the website of each company to complete their respective quote request forms. For example, we’ll assume you want to compare Allstate, Esurance and State Farm. To find out each rate you need to spend time on each company’s site to input your insurance information, which is why the first method is quicker.

For a list of links to companies insuring cars in Cookeville, click here.

Whichever way you use, double check that you are using the exact same coverages on every quote. If you compare mixed coverages it’s impossible to make a fair comparison in Cookeville.

Policy discounts you shouldn’t miss

Companies offering auto insurance don’t always advertise every available discount in a way that’s easy to find, so the following is a list of both the well known as well as the least known car insurance savings. If you aren’t receiving every discount available, you’re just leaving money on the table.

save money in Cookeville

  • Senior Citizens – Older drivers may qualify for a small decrease in premiums.
  • Passive Restraints – Vehicles with factory air bags or automatic seat belts can qualify for discounts up to 30%.
  • Theft Prevention Discount – Cars that have factory anti-theft systems are stolen less frequently and will save you 10% or more.
  • Multi-car Discount – Having more than one vehicle on the same car insurance policy could earn a price break for each car.
  • Payment Method – If you pay your bill all at once instead of paying each month you can actually save on your bill.
  • Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes can reduce accidents and earn discounts up to 10%.
  • Life Insurance – Some companies give lower rates if you buy life insurance from them.
  • Driver Safety – Taking a driver safety course could possibly earn you a 5% discount if you qualify.
  • Seat Belts Save more than Lives – Requiring all passengers to wear their seat belts could save 15% off the personal injury premium cost.

It’s important to understand that most discount credits are not given to the entire policy premium. Most only apply to individual premiums such as physical damage coverage or medical payments. So when it seems like having all the discounts means you get insurance for free, companies don’t profit that way.

For more reading

Additional detailed information can be read at the Tennessee Department of Commerce and Insurance website. Consumers can find disaster information, find a variety of consumer forms, and view a list of available companies.