Save Money on Germantown Car Insurance Rates in Five Minutes

I can’t think of a single person who enjoys paying for car insurance, particularly when they are paying too much. With consumers having so many options when it comes to car insurance, it is hard for the average consumer to pick the lowest price insurance company.

The purpose of this article is to let you in on how to get online quotes. If you currently have car insurance, you stand a good chance to be able to save some money using this strategy. Tennessee consumers just need to know the tricks to compare prices over the internet.

Take advantage of discounts

Insuring your fleet can be pricey, but you can get discounts to help bring down the price. Most are applied when you quote, but a few need to be specifically requested before they will apply. If you’re not getting every credit available, you’re just leaving money on the table.

  • Lower Rates for Military – Having a deployed family member could mean lower rates.
  • Passive Restraint Discount – Factory air bags or motorized seat belts can get savings up to 30%.
  • Save over 55 – If you qualify as a senior citizen, you may receive a small decrease in premiums.
  • Student in College – Any of your kids who attend school more than 100 miles from home and do not have access to a covered vehicle can receive lower rates.
  • Good Student – This discount can save 20 to 25%. Earning this discount can benefit you up to age 25.

It’s important to understand that most discount credits are not given to the overall cost of the policy. Most only apply to the cost of specific coverages such as liability and collision coverage. So even though they make it sound like you can get free auto insurance, you’re out of luck. Any amount of discount will reduce your premiums.

To choose insurers with the best car insurance discounts in Germantown, follow this link.

Insurance agents can help

When it comes to buying proper insurance coverage, there is no “perfect” insurance plan. Everyone’s situation is unique so your insurance needs to address that. Here are some questions about coverages that may help highlight if you may require specific advice.

  • Are there companies who specialize in insuring high-risk drivers?
  • Does my personal auto insurance policy cover using my vehicle for business use?
  • How can I get high-risk coverage after a DUI?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Does my vehicle qualify for pleasure use?
  • Will I be non-renewed for getting a DUI or other conviction?

If you don’t know the answers to these questions then you might want to talk to a licensed agent. To find an agent in your area, complete this form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and you can get the answers you need.

Your insurance agent down the street

Certain consumers would prefer to get advice from a local agent and that is just fine! Educated insurance agents are trained to spot inefficiencies and give you someone to call. One of the great benefits of price shopping on the web is you can get better rates and still choose a local agent. Buying from local businesses is important particularly in Germantown.

For easy comparison, once you complete this form (opens in new window), your insurance data gets sent to insurance agents in Germantown who will compete for your business. There is no reason to visit any agencies as quotes are delivered straight to your inbox. It doesn’t get any easier!free Germantown insurance quote

Germantown insurance agents come in two flavors

When researching a good insurance agency, you must know there are a couple different types of agents to choose from. Germantown agents are categorized either captive or independent (non-captive). Both types can do a good job, but it’s good to learn how they differ since it can impact the type of agent you choose

Independent Agents (or Brokers)

Independent agencies do not work for one specific company so they can insure your vehicles with any number of different companies enabling the ability to shop coverage around. If your agent finds better pricing, the agent simply finds a different carrier and you don’t have to find a new agent.

When comparing rates, it’s recommended you include price quotes from several independent insurance agents for the best price selection.

Shown below are Germantown independent agencies who can help you get rate quotes.

Cecil Smith Insurance – 2006 Exeter Rd – Germantown, TN 38138 – (901) 753-4323
Kevin Bentley Agency – 2219 S Germantown Rd # C – Germantown, TN 38138 – (901) 755-7002
Nationwide Insurance – 8070 Breezy Creek Rd – Germantown, TN 38138 – (901) 754-2667
Jim Stiles Agency – 1930 Exeter Rd – Germantown, TN 38138 – (901) 754-1167
Rogers Agency – 1910 Exeter Rd – Germantown, TN 38138 – (901) 755-4100

Captive Agents

This type of agents write business for a single company like Farmers Insurance, American Family, State Farm and Allstate. Captives cannot give you multiple price quotes so it’s a take it or leave it situation. Captive agencies are usually quite knowledgeable in insurance sales which can be an advantage.

Listed below are Germantown captive agencies that can give you comparison quotes.

Farmers Insurance Group – 1930 Exeter Rd – Germantown, TN 38138 – (901) 452-9030
State Farm Insurance – 7716 Poplar Ave – Germantown, TN 38138 – (901) 751-2741
Allstate Insurance – 2176 West St – Germantown, TN 38138 – (901) 754-4938
Shelter Insurance – 1932 Exeter Rd # 1 – Germantown, TN 38138 – (901) 752-3746

For a full directory of captive agents in Germantown, please click here.

price insurance in Germantown TN

Choosing an auto insurance agent requires more thought than just the price. Here are some questions to ask:

  • If you have an accident, will your rates go up?
  • Who are their largest clients?
  • How are they compensated?
  • Are claims handled at the agent’s location?
  • Can they provide you with a list of referrals?
  • What will you get paid if your car is a total loss? How is that amount determined?

After getting reasonable responses as well as a affordable price, you’ve probably found an auto insurance agent that will insure your vehicles.

More information is located on the website for the Tennessee Department of Commerce and Insurance through this link. Tennessee drivers can view a list of available companies, read enforcement actions against agents and companies, and read industry bulletins.

Other informative sites include these car insurance answers and this resource to find Germantown, TN insurance agents.

In the end, you save

While you’re price shopping online, it’s a bad idea to skimp on coverage in order to save money. There are too many instances where drivers have reduced uninsured motorist or liability limits only to find out that the few dollars in savings costed them thousands. The aim is to buy the best coverage you can find at a price you can afford while not skimping on critical coverages.

Lower-priced car insurance can be found on the web in addition to many Germantown insurance agents, so compare prices from both to have the best selection. Some car insurance companies do not provide you the ability to get quotes online and most of the time these regional insurance providers sell through independent agents.