It takes a little time, but the best way to save on auto insurance rates is to do an annual price comparison from insurance carriers that insure vehicles in Nashville.
- Try to learn about how your policy works and the measures you can control to prevent high rates. Many factors that are responsible for high rates like traffic violations and a low credit rating can be amended by making lifestyle changes or driving safer. Later in this article we will cover instructions to get affordable coverage and get additional discounts.
- Obtain price quotes from direct, independent, and exclusive agents. Exclusive and direct companies can only quote rates from a single company like GEICO and State Farm, while independent agents can provide price quotes from multiple companies. Start a quote
- Compare the price quotes to your current policy premium to see if a cheaper price is available. If you can save money and decide to switch, make sure coverage is continuous and does not lapse.
- Provide adequate notice to your current company of your decision to cancel the current policy and submit a down payment along with a signed application to your new company or agent. As soon as you receive it, store the certificate of insurance in your glove compartment.
A valuable tip to remember is to compare the same coverage limits and deductibles on each price quote and and to get price estimates from all possible companies. This enables an apples-to-apples comparison and the best price selection.
Anyone knows that auto insurance companies don’t want you comparing rates. Drivers who shop around will probably move their business because they have a good chance of finding a lower rate. A recent survey discovered that drivers who compared price quotes annually saved on average $865 a year compared to those who never shopped around for lower prices.
If saving the most money on Chrysler Sebring insurance is your objective, then having some knowledge of how to find and compare insurance can save time, money, and frustration.
Finding more affordable coverage in Nashville is simple if you know the tricks. If you have insurance now or just want cheaper rates, use these money-saving tips to get lower rates without reducing coverage. Drivers just need to learn the most efficient way to buy car insurance from multiple carriers.
Cheap companies for Chrysler Sebring insurance
The providers in the list below provide price comparisons in Tennessee. In order to find cheap car insurance in Nashville, we suggest you visit two to three different companies in order to find the most affordable rates.
Chrysler Sebring coverage analysis
The rate table shown next highlights detailed analysis of policy rates for Chrysler Sebring models. Being more informed about how car insurance premiums are determined can be of help when making decisions when shopping your coverage around.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sebring Touring 4-Dr Sedan | $118 | $274 | $326 | $20 | $98 | $836 | $70 |
| Sebring Limited 4-Dr Sedan | $118 | $274 | $326 | $20 | $98 | $836 | $70 |
| Sebring LX 2-Dr Convertible | $134 | $274 | $326 | $20 | $98 | $852 | $71 |
| Sebring Touring 2-Dr Convertible | $134 | $274 | $326 | $20 | $98 | $852 | $71 |
| Sebring Limited 2-Dr Convertible | $150 | $314 | $326 | $20 | $98 | $908 | $76 |
| Get Your Own Custom Quote Go | |||||||
Data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Tennessee minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, multi-policy, and safe-driver. Price estimates do not factor in specific location which can impact insurance rates noticeably.
How high should deductibles be?
When shopping for auto insurance, a common question is at what level do you set your deductibles. The figures shown below can help you understand the price difference when you buy lower versus higher deductibles. The first rate comparisons uses a $100 comprehensive and collision deductible and the second data table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sebring Touring 4-Dr Sedan | $248 | $528 | $288 | $18 | $86 | $1,193 | $99 |
| Sebring Limited 4-Dr Sedan | $248 | $528 | $288 | $18 | $86 | $1,193 | $99 |
| Sebring LX 2-Dr Convertible | $280 | $528 | $288 | $18 | $86 | $1,225 | $102 |
| Sebring Touring 2-Dr Convertible | $280 | $528 | $288 | $18 | $86 | $1,225 | $102 |
| Sebring Limited 2-Dr Convertible | $312 | $608 | $288 | $18 | $86 | $1,337 | $111 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sebring Touring 4-Dr Sedan | $138 | $278 | $288 | $18 | $86 | $808 | $67 |
| Sebring Limited 4-Dr Sedan | $138 | $278 | $288 | $18 | $86 | $808 | $67 |
| Sebring LX 2-Dr Convertible | $156 | $278 | $288 | $18 | $86 | $826 | $69 |
| Sebring Touring 2-Dr Convertible | $156 | $278 | $288 | $18 | $86 | $826 | $69 |
| Sebring Limited 2-Dr Convertible | $174 | $320 | $288 | $18 | $86 | $886 | $74 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Tennessee minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, claim-free, and safe-driver. Estimates do not factor in specific zip code location which can revise auto insurance rates greatly.
Based on the data above, we can derive that using a $100 deductible costs roughly $34 more each month or $408 every year averaged for all Sebring models than quoting the higher $1,000 deductible. Since you would have to pay $900 more if you file a claim with a $1,000 deductible as compared to a $100 deductible, if you normally go more than 26 months between claims, you would probably come out ahead if you elect the higher deductible.
How to calculate when to raise deductibles
| Average monthly premium for $100 deductibles: | $103 |
| Average monthly premium for $1,000 deductibles (subtract): | – $69 |
| Monthly savings from raising deductible: | $34 |
| Difference between deductibles ($1,000 – $100): | $900 |
| Divide difference by monthly savings: | $900 / $34 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 26 months |
Auto insurance prices based on gender
The chart below compares Chrysler Sebring annual premium costs for male and female drivers. The costs are based on no tickets, no at-fault accidents, full coverage, $1,000 deductibles, drivers are single, and no discounts are applied to the premium.
How Insurance Companies Determine Chrysler Sebring Insurance Premiums
When buying insurance it’s important to understand a few of the rating criteria that go into determining the level of your policy premiums. If you have a feel for what determines premiums, this enables you to make decisions that may reward you with lower rates.
The items below are just a few of the factors used by your company to calculate your prices.
Pleasure use or commuting – The more you drive in a year the more you will pay for insurance. Almost all companies calculate prices based upon how the vehicle is primarily used. Vehicles that sit idle most of the time can be on a lower rate level than those used for commuting. Double check that your vehicle rating is rated on the right rating data, because improper ratings can cost you money. An improperly rated Sebring is throwing money out the window.
Cautious drivers pay better rates – Your driving record impacts premiums far more than you think. Good drivers tend to pay less for car insurance than bad drivers. Getting just one chargeable violation can boost insurance rates forty percent or more. Drivers who have gotten multiple citations like DUI or reckless driving may find that they have to to submit a SR-22 form with their state motor vehicle department in order to prevent a license revocation.
The chart below demonstrates how speeding tickets and fender-benders can affect Chrysler Sebring insurance premiums for different ages of insureds. The rates are based on a married female driver, comprehensive and collision coverage, $500 deductibles, and no policy discounts are applied.
Only buy extra policy coverages you need – There are quite a few extra bells and whistles that sound like a good idea at the time if you aren’t careful. Insurance for things like replacement cost coverage, death and dismemberment, and extra equipment coverage are examples of these. They may seem good at first, but if you’ve never needed them in the past eliminate the coverages to reduce your premium.
Never have coverage lapses – Driving without insurance coverage in place can get your license suspended and your next policy will cost more because you let your coverage cancel without a new policy in place. Not only will you pay more, the inability to provide proof of insurance could earn you a hefty fine and possibly a revoked license. You may then be required to provide proof of insurance in the form of an SR-22 filing with the Tennessee DMV.
Save money by having multiple policies – The majority of insurers give discounts to buyers who consolidate policies with them. It’s known as a multi-policy discount. Even if you already get this discount, you still need to shop around to guarantee you are still saving the most.
Save a ton on Chrysler Sebring insurance in Nashville with these insurance discounts
Not too many consumers would say insurance is affordable, but there could be available discounts to cut the cost considerably. Most are applied when you get a quote, but less common discounts must be specially asked for before being credited.
- Theft Prevention System – Anti-theft and alarm system equipped vehicles are stolen less frequently and therefore earn up to a 10% discount.
- Own a Home and Save – Owning your own home or condo may earn you a small savings due to the fact that maintaining a home requires a higher level of personal finance.
- Drivers Education – Make teen driver coverage more affordable by requiring them to enroll in driver’s education in school.
- Life Insurance Discount – Companies who offer life insurance give a small discount if you purchase auto and life insurance together.
- Waiver for an Accident – Not necessarily a discount, but a few companies such as Progressive, State Farm and GEICO will forgive one accident before hitting you with a surcharge so long as you are claim-free prior to being involved in the accident.
- Discounts for Responsible Drivers – Insureds who avoid accidents can save up to 40% or more on their Nashville car insurance quote compared to rates paid by drivers with frequent claims.
- College Student Discount – Youth drivers who live away from home to go to college and do not have a car can be insured at a reduced rate.
One last thing about discounts, most discount credits are not given to your bottom line cost. The majority will only reduce specific coverage prices like comp or med pay. Just because it seems like it’s possible to get free car insurance, it just doesn’t work that way. Any amount of discount will definitely reduce the cost of your policy.
The example below compares Chrysler Sebring insurance prices with and without discounts applied to the policy premium. The premium estimates are based on a male driver, no accidents or driving violations, Tennessee state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, homeowner, multi-policy, safe-driver, multi-car, and marriage discounts applied.
For a list of companies who offer cheap Chrysler Sebring insurance quotes in Nashville in Nashville, click here to view.
Local neighborhood agents and insurance
Some consumers would rather sit down and talk to an agent and that can be a smart move Experienced insurance agents are highly skilled in risk management and help submit paperwork. An additional benefit of getting online price quotes is that you can obtain better rates and still buy from a local agent. And providing support for neighborhood agents is still important in Nashville.
To make it easy to find an agent, after completing this short form, your insurance data is transmitted to participating agents in Nashville that can give you free Nashville car insurance quotes for your business. It simplifies rate comparisons since you won’t have to visit any agencies since price quotes are sent immediately to your email address. If you want to get a rate quote from a specific insurance company, feel free to navigate to their website and fill out their quote form.
Below are agents in Nashville that may be able to provide price quote information for Chrysler Sebring insurance in Nashville.
- Bobby Berry – State Farm Insurance Agent
703 Main St – Nashville, TN 37206 – (615) 271-2996 – View Map - Michael Davis – State Farm Insurance Agent
2817 West End Ave #209 – Nashville, TN 37203 – (615) 321-3388 – View Map - Sid Neuhoff – State Farm Insurance Agent
4544 Harding Pike #216 – Nashville, TN 37205 – (615) 298-3276 – View Map - Spann Agency
710 Thompson Ln – Nashville, TN 37204 – (615) 383-8000 – View Map
Picking a insurance company needs to be determined by more than just the quoted price. You should also get answers to these questions.
- Which family members are covered?
- Do you have coverage for a rental car if your vehicle is in the repair shop?
- How much experience to they have in personal lines coverages?
- How much can you save by raising your physical damage deductibles?
- Does the agent help file claims?
Ratings for Nashville car insurance companies
Picking the highest-rated insurance provider can be rather challenging considering how many different companies insure vehicles in Nashville. The ranking data in the next section can help you choose which car insurance companies to look at purchasing coverage from.
Top 10 Nashville Car Insurance Companies Ranked by Customer Satisfaction
- USAA – 91%
- AAA Insurance – 90%
- Esurance – 90%
- Mercury Insurance – 89%
- Nationwide – 89%
- Travelers – 88%
- Progressive – 88%
- Safeco Insurance – 88%
- State Farm – 88%
- Allstate – 88%
Be persistent to save money
Consumers leave their current company for many reasons like being labeled a high risk driver, delays in responding to claim requests, lack of trust in their agent and not issuing a premium refund. Whatever your reason, choosing a new insurance company is pretty easy and you might even save some money in the process.
We just showed you quite a bit of information on how to compare Chrysler Sebring insurance rates in Nashville. It’s most important to understand that the more companies you get car insurance rates for, the better your comparison will be. Consumers may even find the best price on insurance is with an unexpected company.
Low-cost Chrysler Sebring insurance in Nashville is available both online as well as from independent agents in Nashville, so you need to shop Nashville car insurance with both to have the best selection. Some insurance providers do not provide the ability to get a quote online and usually these regional insurance providers sell through independent insurance agencies.
More detailed insurance information can be read at these sites:
- Booster Seat Ratings (iihs.org)
- Who Has the Cheapest Nashville Auto Insurance for a Jeep Wrangler? (FAQ)
- Who Has the Cheapest Nashville Auto Insurance Quotes for a Ford Fusion? (FAQ)
- Who Has Cheap Car Insurance Rates for a Jeep Grand Cherokee in Nashville? (FAQ)
- Parking Tips to Reduce Door Dings (State Farm)
- No-Fault Auto Insurance Statistics (Insurance Information Institute)
- A Tree Fell on Your Car: Now What? (Allstate)