Surprisingly, a recent survey revealed that most car insurance buyers have purchased from the same company for over three years, and nearly the majority have never compared rate quotes at all. Many drivers in Nashville can cut their rates by as much as 35% a year just by shopping around, but most undervalue the amount of money they would save if they switched.
The most effective way to get discount Ford Thunderbird insurance is to compare prices at least once a year from insurers who provide car insurance in Nashville.
First, try to learn about how companies set rates and the measures you can take to prevent expensive coverage. Many factors that drive up the price like tickets, at-fault accidents, and your credit history can be controlled by being financially responsible and driving safely. Keep reading for additional tips to get affordable coverage and earn larger discounts.
Second, obtain price quotes from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only quote rates from a single company like Progressive or State Farm, while independent agencies can provide price quotes from multiple companies.
Third, compare the new rate quotes to your existing policy and determine if cheaper Thunderbird coverage is available. If you find a lower rate and switch companies, make sure coverage is continuous and does not lapse.
The key thing to remember is to compare identical deductibles and limits on each price quote and and to get rates from as many different insurance providers as possible. Doing this helps ensure a fair rate comparison and a complete rate analysis.
Locating the best insurance company for you in Nashville can be made easier if you know where to look. If you have insurance now, you will surely be able to buy cheaper auto insurance using the ideas presented in this article. Although Tennessee car owners need to have an understanding of the way insurance companies determine what you pay.
Best companies for competitive Ford Thunderbird insurance in Tennessee
The auto insurance companies shown below have been selected to offer price quotes in Tennessee. To get cheap car insurance in TN, we suggest you compare several of them in order to find the lowest rates.
Verify you’re applying every discount
Insuring your vehicles can cost a lot, but you may find discounts to cut the cost considerably. Many discounts should be triggered at the time you complete a quote, but some discounts are required to be specifically requested before being credited.
- Safety Restraint Discount – Requiring all passengers to buckle up may be able to save a few bucks off the PIP or medical payment premium.
- Drive Less and Save – Driving fewer miles may enable drivers to earn lower premium rates on the low mileage vehicles.
- Paperwork-free – A handful of car insurance companies will provide an incentive simply for signing on the web.
- Clubs and Organizations – Being in qualifying clubs or civic groups could qualify you for a break when getting a Nashville car insurance quote.
- Full Payment Discount – By making one initial payment rather than spreading payments over time you could save 5% or more.
Policy discounts save money, but many deductions do not apply to all coverage premiums. Some only apply to specific coverage prices like liability and collision coverage. So even though it sounds like you would end up receiving a 100% discount, car insurance companies aren’t that generous.
To choose car insurance companies who offer free Ford Thunderbird insurance quotes in Tennessee, follow this link.
What insurance coverages do I need?
When quoting and choosing coverage for your vehicles, there isn’t really a one-size-fits-all type of policy. Your needs are not the same as everyone else’s so your insurance needs to address that. For example, these questions could help you determine whether your personal situation would benefit from an agent’s advice.
- Does car insurance cover theft of personal property?
- Which companies are cheaper for teen drivers?
- Can my teen driver be rated on a liability-only vehicle?
- What if I owe more than I can insure my car for?
- Is my Ford Thunderbird covered for flood damage?
- Is a new car covered when I drive it off the dealer lot?
- Is there coverage for injuries to my pets?
- What is UM/UIM insurance?
If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form or you can go here for a list of companies in your area.
Local Nashville car insurance agents and insurance
Some consumers just prefer to sit down and talk to an agent and that can be a great decision An additional benefit of comparing rate quotes online is that you can find cheap insurance quotes but still work with a licensed agent.
To make it easy to find an agent, after completing this short form, your insurance data is emailed to participating agents in Nashville who will return price quotes to get your business. You won’t need to find an agent as quotes are delivered to you. You can find lower rates without the usual hassles of price shopping. If for some reason you want to compare rates from one company in particular, you can always search and find their rate quote page and fill out their quote form.
Finding the right insurer requires you to look at more than just the bottom line cost. Any agent in Nashville should be willing to answer these questions.
- If independent agents, which companies do they recommend?
- How many years of experience in personal auto insurance do they have?
- What company do they have the most business with?
- Do they offer rental car reimbursement?
- In the event of vehicle damage, can you pick the collision repair facility?
When researching a reliable insurance agency, it can be helpful to understand the different types of agencies and how they can service your needs differently. Nashville agents can be categorized as either independent (non-exclusive) or exclusive.
Exclusive Agents
Exclusive agencies work for only one company like Farmers Insurance, American Family, State Farm and Allstate. They are unable to provide prices from multiple companies so they really need to provide good service. Exclusive agencies are trained well on what they offer which helps overcome the inability to quote other rates.
Below are exclusive insurance agents in Nashville that are able to give price quotes.
Mike Maclean – State Farm Insurance Agent
3922 Gallatin Pike – Nashville, TN 37216 – (615) 891-1241 – View Map
Phill Pharr – State Farm Insurance Agent
5814 Nolensville Pike #108 – Nashville, TN 37211 – (615) 832-0897 – View Map
Mark Le Clair – State Farm Insurance Agent
5548 Franklin Pike #201 – Nashville, TN 37220 – (615) 292-9233 – View Map
Independent Insurance Agents
Agents in the independent channel do not sell for just one brand and that allows them to write policies with an assortment of companies and find you the best rates. If they find a cheaper price, they simply switch companies in-house without you having to go to a different agency. If you are comparing rate quotes, it’s recommended you include price quotes from several independent agencies to get the best comparison.
Listed below is a list of independent insurance agents in Nashville willing to provide price quote information.
Greater Nashville Insurance
208 McGavock Pike A – Nashville, TN 37214 – (615) 885-5882 – View Map
Antioch Insurance
1311 Antioch Pike – Nashville, TN 37211 – (615) 834-7106 – View Map
HQ Insurance, Inc.
2451 Atrium Way – Nashville, TN 37214 – (615) 884-3535 – View Map
Once you have positive responses to all your questions and the cheapest Ford Thunderbird insurance in Nashville quotes, you may have found an insurance agent that will adequately provide insurance.
Smart shoppers get results
Budget-conscious Ford Thunderbird insurance can be bought from both online companies and from local insurance agents, so you should compare both to have the best selection. Some companies may not offer rate quotes online and most of the time these small insurance companies only sell coverage through independent insurance agents.
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 are a lot of situations where someone sacrificed uninsured motorist or liability limits only to discover later they didn’t purchase enough coverage. Your objective should be to purchase a proper amount of coverage at the best price while not skimping on critical coverages.
Other articles
- Self-driving cars won’t replace humans (Insurance Institute for Highway Safety)
- What Car Insurance is Cheapest for a Ford Escape in Nashville? (FAQ)
- Who Has Affordable Auto Insurance for Low Mileage Drivers in Nashville? (FAQ)
- What Auto Insurance is Cheapest for a Honda Accord in Nashville? (FAQ)
- Vehicle Safety Ratings (iihs.org)
- Safety Features for Your New Car (State Farm)