Best Cheap Auto Insurance Quotes for State Employees in Tennessee

In an ideal world, we could tell you the company that has the cheapest policy rates in Tennessee. Unfortunately, it’s just not that easy, as there are a whole bunch of unknown factors like if you have a spouse, your driving record, how you use your vehicle, and if you are a woman or a man. Car insurance is kind of a dry topic, but this article will explain the different ways you can keep rates low and hopefully give you enough understanding to have a good start in finding the cheapest insurance in Tennessee.

When shopping for auto insurance for state workers, one of the many considerations that impact rate quotes is where you live in Tennessee. Larger areas like Memphis, Collierville, and Jackson likely pay more, whereas areas with lower vehicle theft rates and fewer weather claims get the luxury of paying less.

The next table shows the priciest cities in Tennessee for state employees to buy auto insurance in.

Rate quotes are approximated as the specific garaging location can influence coverage rates substantially.

We all like different vehicles, and the type of vehicle driven is one of the largest considerations when quoting the best cheap auto insurance for state employees in Tennessee. Vehicles with limited top-end speed, excellent safety ratings, or a positive history of liability claims will cost significantly less to insure than adrenaline junky models. The next lists estimates coverage premiums for a handful of the cheaper automobiles to buy insurance for.

Table data represents married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Tennessee minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, safe-driver, and claim-free. Rate quotes do not factor in vehicle garaging location which can raise or lower premium rates noticeably.

Data rating is based on married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Tennessee minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, safe-driver, and claim-free. Rates do not factor in the specific area where the vehicle is garaged which can affect coverage rates noticeably.

Data based on married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Tennessee minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, safe-driver, and claim-free. Prices do not factor in specific zip code location which can influence auto insurance rates considerably.

How accidents and tickets impact rates

The recommended way to obtain good auto insurance premiums in Tennessee for state workers is to drive attentively and not get tickets or have accidents. The information below highlights how speeding tickets and at-fault fender-benders can influence insurance rates for different age groups. The rates are based on a single male driver, full coverage, $500 deductibles, and no discounts are applied.

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In the chart above, the average cost of an auto insurance policy per year with a clean driving record and no accidents is $1,366. Get one speeding ticket and the average cost jumps to $1,540, an increase of $174 each year. Now get two accidents along with the one speeding ticket and the 12-month cost of auto insurance for state employees increases to an average of $3,097. That’s an increase of $1,731, or $144 per month, just for not driving attentively!

Cheapest car insurance: Allstate, Progressive, Geico, or State Farm

If you’re looking for the best auto insurance for state workers, four companies to take a look at are Allstate, Progressive, Geico, and State Farm. If you add them together, they insure about half of all vehicles in the U.S.. They all offer your standard coverages, but each one has unique coverages that may influence which company you choose. The following table compares and contrasts some of the different options that may be available in your state.

How to find budget-friendly auto insurance for state employees

It’s not impossible to find cheaper rates, and here are many penny-pinching suggestions that can help Tennessee drivers find cheap car insurance.

• Higher credit scores can equal lower rates
• Raise comprehensive and collision coverage deductibles
• Bundle home and auto and earn a discount
• Remove physical damage coverage on older vehicles
• Pay less by remaining claim-free
• Buy safe vehicles
• Compare price quotes at least once a year

The last item on the list is incredibly vital, as was stressed in this article. Insurance prices in Tennessee vary greatly, so don’t be unwilling to buy from a different company if a better rate can be found.

Many consumers stick with the same company and that’s fine, but it’s not recommended if that dedication is costing big bucks every year. Take a few minutes and compare prices to find cheaper car insurance for state employees.

Who has the cheapest insurance quotes for state workers?

Due to technology, there are many ways to get affordable auto insurance quotes in Tennessee, but the most popular are from an independent agent, an exclusive agency like State Farm or Allstate, or direct online or over the phone from a company like Progressive or Geico. You can use whichever you prefer, but buyers should know the differences in how they function.

Independent insurance agents have contracts with many companies and can quote your policy with every one. These types of agents are not locked into one company and can get prices from more than one company, which can give you a better comparison. If the agent locates a cheaper price, an independent agent can move your coverage which prevents you from having to switch agents.

A captive, or exclusive, agent is able to quote prices with a single company, for example Allstate and Liberty Mutual agents. These agents are not able to provide prices from multiple companies, which requires you to shop around.

Buying from a direct company means skip local insurance agents and instead shop direct online or over the phone from a company like Geico or Esurance. This option may be good for drivers who do not need high levels of coverage and have an above average understanding of what specific coverages and deductibles they need.

Out of those three methods, which one works best to find the best cheap auto insurance for state employees in Tennessee? We wish we could say buying from a direct car insurance company results in the cheapest price because there is no agent taking a commission, but unfortunately, it’s not that simple. We’d also like to say an independent agency is the best way to save because you have more choices, but that assumption is also not accurate. For the right applicant, exclusive agents may have very competitive prices that are impossible to beat.

Since auto insurance rates vary so much, the one way to ensure you are not overpaying for auto insurance is to obtain price quotes and compare them. If you want to save money, get prices from all three types to have the best rate selection. For a list of companies with some of the cheapest Tennessee auto insurance rates, click here to view.