In Tennessee, you can get the best rates on car insurance if you buy a car that insurance companies see as safe. Tennessee car insurance companies are more likely to offer low rates to people who drive safe cars because they think those people are less likely to cause an accident. So, if you want a cheap car insurance quote in Tennessee, you need to make yourself and your car safer.
If you haven't bought a new car yet, keep in mind that auto insurance companies look at:
- Theft likelihood
- Car price
Cost of repairs
- Record of car safety
In Tennessee, you're more likely to get a cheap quote on car insurance if you buy a cheap, simple car with a good safety rating than if you buy a flashy, expensive foreign car that will cost a whole paycheck to fix. Think about it: would a car thief be more likely to steal a family sedan or a two-seater convertible?
But you can still get some of the best rates on car insurance in Tennessee even if you already have a car and don't want to buy a new one just to save on coverage. You'll just have to do a few things differently:
- Put in place safety measures (anti-theft devices, car alarms)
- Park your car somewhere safe (well-lit or gated parking lot, garage)
- Set up safety features for kids (LATCH, rear lap belts with shoulder straps)
And it's not just your car that's changing. Besides making your car safer, there are other things you can do to get a cheap quote on car insurance in Tennessee:
- Better your credit rating
Fix your driver's licence.
Take a course to learn how to drive.
Sign up for a course for senior drivers if you are over 65.
Once you've made these changes, you should call your auto insurance company in Tennessee.
