Easy Ways to Pay Less on Jacksboro Auto Insurance

Finding lower rates for Jacksboro auto insurance is nearly impossible for consumers new to comparison shopping online. You have so many options available that it can quickly become more work than you anticipated to compare prices in Jacksboro.

Be sure to get all your discounts

Insuring your fleet can be pricey, but you can get discounts that many people don't even know exist. Certain discounts will be applied at the time of quoting, but less common discounts must be asked about before you will receive the discount.

  • Drivers Education - Make teen driver coverage more affordable by requiring them to successfully complete driver's ed class in school.
  • Employee of Federal Government - Active or retired federal employment can save as much as 8% with a few auto insurance companies.
  • Anti-lock Brake Discount - Cars that have steering control and anti-lock brakes are safer to drive and will save you 10% or more.
  • Discount for Life Insurance - Some companies give a discount if you purchase a life insurance policy as well.
  • Defensive Driver - Completing a course in driver safety could save 5% or more if you qualify.

Keep in mind that most credits do not apply to the entire cost. Some only apply to specific coverage prices like liability and collision coverage. Just because you may think it's possible to get free car insurance, it just doesn't work that way. But any discount will bring down the amount you have to pay.

compare Jacksboro auto insurance rates

Is there truth in advertising?

Auto insurance providers like State Farm, Allstate and GEICO constantly bombard you with television and radio advertisements. They all say the same thing that you can save if you switch to their company. How does each company make almost identical claims? It's all in the numbers.

All companies can use profiling for the driver that earns them a profit. For example, a driver they prefer could possibly be between the ages of 30 and 50, is a homeowner, and drives less than 10,000 miles a year. A driver who fits that profile will qualify for the lowest rates and is almost guaranteed to save when switching.

Potential insureds who don't measure up to these standards will be quoted more money which usually ends up with the driver buying from a lower-cost company. The ad wording is "customers who switch" but not "drivers who get quotes" save that much. That's why insurance companies can advertise the way they do.

This emphasizes why you should compare many company's rates. It is impossible to predict the company that will provide you with the cheapest rates.

More information can be found on the Tennessee Department of Commerce and Insurance website found here. Tennessee consumers can download brochures, find out industry alerts, and discover disciplinary actions.

Also read more on this site for auto insurance rates in Tennessee and this list of insurance agents in Jacksboro, TN.

Final considerations

Consumers switch companies for a variety of reasons including extreme rates for teen drivers, policy cancellation, delays in responding to claim requests and even not issuing a premium refund. Regardless of your reason, finding a new auto insurance company is less work than it seems.

As you go through the steps to switch your coverage, make sure you don't buy lower coverage limits just to save a few bucks. There have been many situations where an accident victim reduced physical damage coverage only to discover later that the savings was not a smart move. The proper strategy is to get the best coverage possible at the best price while still protecting your assets.

Affordable auto insurance can be found online and also from your neighborhood Jacksboro agents, and you should compare price quotes from both to have the best chance of lowering rates. Some auto insurance companies may not provide you the ability to get quotes online and these regional insurance providers work with independent agents.