Unfortunately, about 70% of customers kept buying from the same company for at least four years, and approximately 40% of consumers have never even compared rates from other companies. The average driver in Nashville could save $480 every year, but they don’t know the amount of savings they would get if they bought a different policy.
The most effective way to find affordable Dodge Magnum insurance is to compare prices at least once a year from different companies in Nashville. You can compare prices by following these steps.
- Spend a few minutes and learn about auto insurance and the measures you can control to prevent expensive coverage. Many factors that increase rates such as high-risk driving behaviors and an unacceptable credit score can be rectified by paying attention to minor details.
- Quote rates from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only give prices from a single company like GEICO or State Farm, while agents who are independent can provide rate quotes from multiple companies.
- Compare the price quotes to your existing coverage and see if there is a cheaper rate. If you find a better price, make sure the effective date of the new policy is the same as the expiration date of the old one.
- Notify your company or agent to cancel the current policy and submit a signed application and payment to the new insurer. Once the paperwork is finalized, put the certificate of insurance with the vehicle registration.
The most important part of this process is to make sure you enter identical coverage information on every quote and and to analyze as many companies as you can. This helps ensure a fair rate comparison and the best price selection.
Finding affordable insurance coverage in Nashville can initially seem challenging. If you’re already insured, you will surely be able to reduce premiums using the ideas you’re about to read. Shoppers just have to understand the least time-consuming way to compare price quotes on the web.
Finding a better price on insurance doesn’t have to be difficult. The only thing you need to do is take the time comparing free Nashville car insurance quotes to find the company with affordable Nashville car insurance quotes.
Comparing quotes online is fast and free, and it replaces the need to drive around to each insurance agency near you. Buying insurance online eliminates this option unless you have a need for the trained advice of a licensed agent. It is possible with some companies obtain prices from the web but buy from a local insurance agent.
The companies shown below provide free rate quotes in Nashville, TN. If you want the best car insurance in Nashville, TN, it’s highly recommended you compare several of them in order to find the cheapest rates.
Choosing the best Magnum insurance in Tennessee is an important decision
Despite the high insurance cost for a Dodge Magnum in Nashville, maintaining insurance is mandatory in Tennessee but it also protects more than you think.
- Almost all states have mandatory insurance requirements which means you are required to buy a minimum amount of liability coverage in order to be legal. In Tennessee these limits are 25/50/15 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $15,000 of property damage coverage.
- If you took out a loan on your vehicle, it’s guaranteed your bank will stipulate that you buy full coverage to guarantee payment of the loan. If you do not pay your insurance premiums, the lender will be forced to insure your Dodge for a lot more money and force you to pay much more than you were paying before.
- Insurance protects both your assets and your Dodge Magnum. It will also cover many types of medical costs for not only you but also any passengers injured in an accident. One policy coverage, liability insurance, also covers all legal expenses up to the policy limit if anyone sues you for causing an accident. If you receive damage to your vehicle caused by a storm or accident, collision and comprehensive (also known as other-than-collision) coverage will pay all costs to repair after the deductible has been paid.
The benefits of having auto insurance more than offset the price you pay, particularly for liability claims. According to a 2015 survey, the average American driver overpays more than $700 annually so you should quote rates at every renewal to help ensure money is not being wasted.
These discounts can lower your car insurance rates
Car insurance is neither fun to buy or cheap, but discounts can save money and there are some available that you may not even be aware of. Certain credits will be shown when you purchase, but some must be asked about before you will receive the discount.
- Drivers Ed for Students – Have your child enroll in driver’s education if offered at their school.
- Senior Citizen Discount – Mature drivers are able to get a discount up to 10%.
- Discount for Good Grades – Being a good student can get you a discount of up to 25%. Earning this discount can benefit you up until you turn 25.
- Seat Belt Discounts – Using a seat belt and requiring all passengers to wear their seat belts could cut 10% or more off the personal injury premium cost.
- Federal Employees – Federal government employees could provide a small rate reduction with some car insurance companies.
- Waiver for an Accident – This isn’t a discount exactly, but companies like Liberty Mutual and GEICO will allow you to have one accident without getting socked with a rate hike if you have no claims before the accident.
One thing to note about discounts is that most discounts do not apply to the whole policy. Some only apply to individual premiums such as physical damage coverage or medical payments. Just because you may think you could get a free car insurance policy, you won’t be that lucky.
Auto insurance companies that may have these discounts may include but are not limited to:
Before you buy a policy, ask each company or agent which credits you are entitled to. Some credits might not be offered in Nashville. If you would like to choose from a list of providers that offer the discounts shown above in Tennessee, click this link.
Auto insurance agents are trained to help
Some people still like to buy from a local agent and there is nothing wrong with that. Good insurance agents can help determine the best coverages and help in the event of a claim. An additional benefit of comparing insurance prices online is the fact that you can find the best rates and still choose a local agent.
Upon completion of this form (opens in new window), your insurance data is immediately sent to local insurance agents who will give you bids and help you find cheaper coverage. You won’t need to do any legwork because prices are sent directly to your email. If for some reason you want to get a rate quote from a specific company, you just need to go to their quote page and fill out the quote form the provide.
Selecting an company should include more criteria than just a cheap price quote. Any agent in Nashville should be forthright in answering these questions:
- Are they full-time agents?
- Are aftermarket or OEM parts used to repair vehicles?
- Do you qualify for any additional discounts?
- Are they actively involved in the community?
- Does the company allow you to choose your own collision repair facility?
Shown below is a list of car insurance companies in Nashville that may be able to provide price quotes for Dodge Magnum insurance in Nashville.
HQ Insurance, Inc.
2451 Atrium Way – Nashville, TN 37214 – (615) 884-3535 – View Map
Sid Neuhoff – State Farm Insurance Agent
4544 Harding Pike #216 – Nashville, TN 37205 – (615) 298-3276 – View Map
Ray Watts – State Farm Insurance Agent
4703 Gallatin Pike – Nashville, TN 37216 – (615) 228-1338 – View Map
Mark Le Clair – State Farm Insurance Agent
5548 Franklin Pike #201 – Nashville, TN 37220 – (615) 292-9233 – View Map
Ratings for Nashville car insurance companies
Choosing a highly-rated car insurance company can be challenging considering how many companies sell coverage in Nashville. The company information displayed below may help you pick which providers you want to consider when comparing rates.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| Travelers | 93 | 98 | 99 | 88% | A++ | 95.1 |
| USAA | 83 | 99 | 100 | 91% | A++ | 94.1 |
| Mercury Insurance | 97 | 96 | 88 | 89% | A+ | 93.4 |
| AAA Insurance | 91 | 95 | 92 | 90% | A | 93.3 |
| Nationwide | 85 | 95 | 97 | 89% | A+ | 92.4 |
| Allstate | 77 | 100 | 97 | 88% | A+ | 90.7 |
| State Farm | 80 | 94 | 96 | 88% | A++ | 90.6 |
| The Hartford | 88 | 93 | 91 | 87% | A+ | 90.4 |
| Safeco Insurance | 91 | 95 | 85 | 88% | A | 90.2 |
| Progressive | 88 | 94 | 83 | 88% | A+ | 90.1 |
| American Family | 91 | 86 | 95 | 83% | A | 89.7 |
| Esurance | 86 | 90 | 94 | 90% | A+ | 89.5 |
| The General | 86 | 93 | 89 | 84% | A- | 88.2 |
| GEICO | 79 | 89 | 95 | 87% | A++ | 87.8 |
| Titan Insurance | 86 | 82 | 92 | 86% | A+ | 86.5 |
| 21st Century | 86 | 82 | 90 | 84% | A | 86.4 |
| Liberty Mutual | 79 | 87 | 95 | 78% | A | 85.3 |
| Erie Insurance | 87 | 84 | 85 | 85% | A+ | 85.3 |
| Farmers Insurance | 77 | 80 | 80 | 84% | A | 80.3 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Lower rates by being persistent
You just learned quite a bit of information on how to reduce Dodge Magnum insurance car insurance rates online in Nashville. It’s most important to understand that the more companies you get premium rates for, the better likelihood of getting affordable Dodge Magnum insurance quotes. You may even find the lowest priced insurance comes from the smaller companies. These companies can often provide lower premium rates in certain areas than their larger competitors like State Farm or Progressive.
Some insurance providers do not provide rate quotes online and usually these regional carriers work with local independent agencies. Budget-friendly insurance in Nashville can be sourced online and from local insurance agents, and you need to price shop both in order to have the best price selection to choose from.
Additional information is located at the links below
- Auto Theft Statistics (Insurance Information Institute)
- Collision Insurance Coverage (Nationwide)
- Child Safety Seats (Insurance Information Institute)
- When is the Right Time to Switch Car Insurance Companies? (Allstate)