The car, truck, or SUV driven is a large factor when quoting the most economical insurance for handicapped drivers. Vehicles with high performance features, a lack of modern safety features, or a high likelihood of having liability claims will cost substantially more to insure than safer, lower-performance models.
The next table showcases auto insurance prices for a handful of the most economical automobiles to buy insurance for.
| Insured Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Honda Accord LX 4-Dr Sedan | $1,053 |
| Honda Odyssey LX | $1,158 |
| Honda CR-V LX 2WD | $1,207 |
| Ford Focus SE 4-Dr Sedan | $1,223 |
| Chevrolet Silverado LT Extended Cab 4WD | $1,247 |
| Dodge Grand Caravan SXT | $1,270 |
| Ford Escape XLT 2WD | $1,291 |
| Chevrolet Impala LTZ | $1,312 |
| Ford F-150 STX Regular Cab 2WD | $1,328 |
| Toyota Corolla XRS | $1,335 |
| Nissan Altima 3.5 SR 4-Dr Sedan | $1,342 |
| Toyota Prius | $1,335 |
| Jeep Grand Cherokee Limited 2WD | $1,344 |
| Jeep Wrangler Unlimited Rubicon 4WD 4-Dr | $1,377 |
| Chevrolet Silverado 3500HD LTZ Crew Cab 2WD | $1,384 |
| Volkswagen Jetta S 2.5 Station Wagon | $1,403 |
| Hyundai Sonata SE 4-Dr Sedan | $1,413 |
| Start a Quote Go | |
Above prices assume single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Tennessee minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, claim-free, and safe-driver. Premium costs do not factor in specific zip code location which can raise or lower coverage prices noticeably.
Looking at the numbers, we can tell that vehicles like the Honda Accord, Honda Odyssey, Honda CR-V, Ford Focus, and Chevrolet Silverado are a few of the less-costly vehicles to insure for drivers with handicaps.
Deciding which company has the cheapest auto insurance rates for handicapped drivers will take more time than just comparing rates from one or two companies. Each auto insurer has a unique formula for filing rates in each state, so let’s take a look at the lowest cost auto insurance companies in Nashville.
Find the Best Cheap Insurance in Tennessee
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Utica National | $760 |
| 2 | Auto-Owners | $852 |
| 3 | Cincinnati Insurance | $884 |
| 4 | Tennessee Farmers | $923 |
| 5 | Penn National | $926 |
| 6 | USAA | $947 |
| 7 | Erie | $987 |
| 8 | Nationwide | $1,012 |
| 9 | Allied | $1,029 |
| 10 | Westfield | $1,069 |
| 11 | GEICO | $1,110 |
| 12 | State Farm | $1,165 |
| 13 | Progressive | $1,178 |
| 14 | Shelter | $1,187 |
| 15 | Travelers | $1,201 |
| 16 | The Hartford | $1,208 |
| 17 | State Auto | $1,217 |
| 18 | Direct General | $1,251 |
| 19 | Chubb | $1,277 |
| 20 | 21st Century | $1,300 |
| Compare Rates Now Go | ||
Utica National normally has some of the lowest car insurance rates in Nashville at around $760 annually. This is $568 less than the average price paid by Tennessee drivers of $1,328. Auto-Owners, Cincinnati Insurance, Tennessee Farmers, and Penn National would also be considered some of the most economical Nashville, TN car insurance companies.
As the rates illustrate above, if you are a customer of Auto-Owners and switched to Utica National, you may see a yearly price reduction of around $92. Drivers with Cincinnati Insurance may save as much as $124 a year, and Tennessee Farmers customers might lower prices by up to $163 a year.
Bear in mind that those premium estimates are averages for all types of drivers and the different vehicles they drive and are not factoring in an exact vehicle garaging location for handicapped drivers. So the company that is best for you may not even be in the top 30 companies shown above. That point stresses why you need to get auto insurance quotes using your own driver data and vehicle information.
Types of discounts on Nashville insurance
Insurance providers that sell policies for handicapped drivers may provide price discounts that could lower prices by as much as 35% or more if you meet certain criteria. Popular auto insurance companies and a summarized list of policyholder discounts are outlined below.
- Farm Bureau has discounts for driver training, safe driver, 55 and retired, multi-vehicle, good student, and multi-policy.
- MetLife discounts include good driver, claim-free, accident-free, good student, multi-policy, and defensive driver.
- Progressive offers discounts including continuous coverage, online quote discount, multi-vehicle, homeowner, multi-policy, and online signing.
- AAA offers discounts for good driver, pay-in-full, anti-theft, multi-car, multi-policy, and good student.
- American Family policyholders can earn discounts including air bags, defensive driver, Steer into Savings, bundled insurance, TimeAway discount, good student, and mySafetyValet.
- GEICO offers premium reductions for multi-vehicle, federal employee, seat belt use, multi-policy, membership and employees, anti-theft, and good student.
- State Farm has savings for good student, student away at school, good driver, multiple policy, anti-theft, defensive driving training, and accident-free.
The chart below compares insurance prices with and without discounts being applied to the rates. The premiums assume a female driver, no claims, a clean driving record, Tennessee state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second bar shows the rates with vehicle safety, homeowner, accident-free, marriage, claim-free, and multiple policy discounts applied. When drivers take advantage of discounts, theaverage yearly reduction on auto insurance for handicapped drivers is 28% or $542.
The illustration below demonstrates how choosing different deductibles can impact insurance costs when getting quotes for cheap insurance for handicapped drivers. The data assumes a married female driver, full physical damage coverage, and no policy discounts are applied.
As shown above, a 40-year-old driver could pocket $266 a year by changing from a $100 deductible to a $500 deductible, or save $402 by switching to a $1,000 deductible. Even younger drivers, such as the 20-year-old example, can cut up to $658 every year by using higher deductibles when buying full coverage.
When raising deductibles, it’s a good idea to have additional funds squirreled away to allow you to cover the extra out-of-pocket expense that is associated with using high deductibles.
Tips for finding more affordable auto insurance for handicapped drivers
The list below shows many thrifty ideas that can help Tennessee drivers find low-cost car insurance.
- Do not get traffic tickets
- Increase your credit rating
- Increase deductibles to save money
- Buy a car with high safety ratings
- Avoid preventable accidents
- Compare price quotes at least once a year
The last suggestion is incredibly crucial, as was affirmed in this write-up. Prices go up and down frequently, so don’t be hesitant to switch carriers if a lower-cost policy is available. Staying with the same company for years is fine, but is isn’t recommended if it’s costing you major coinage every year. Take a few minutes and shop around and find cheaper car insurance for handicapped drivers in Nashville.
The insurance agencies listed below can help you determine which coverages you need, as many consumers aren’t sure which coverage to buy and prefer to get help from a professional when shopping around for cheaper insurance for drivers with handicaps. It’s not always easy to find the best coverage on your own, so insurance agents licensed in the state of Tennessee can add peace of mind knowing your policy gives you enough coverage if you have a claim.
To locate an agency close to where you live, click the button link following the list or click here to compare prices now.
Tri-City Insurance Agency
4400 Nolensville Pike – Nashville, TN 37211 – (615) 331-0770
Jerry Matthews – State Farm Insurance Agent
2010 Old Murfreesboro Rd – Nashville, TN 37217 – (615) 361-1516
Spann Agency
710 Thompson Ln – Nashville, TN 37204 – (615) 383-8000
Zander Insurance Group
6213 Charlotte Pike – Nashville, TN 37209 – (615) 356-1700