Wouldn’t it be easy if we could tell you instantly the one perfect auto insurance company that has the best rates for government employees? That is not the case, however, as there are many unknowns such as your financial stability, the number of miles you drive in a year, and the amount of liability coverage you want, that all factor into the price you pay. This article will detail the best ways to find cheap auto insurance and will give you a good start in finding the cheapest insurance.
For state and federal workers, one of the largest factors that aid in calculating auto insurance rates is your address in Nashville. Areas with a lot of weather claims or more people will most likely pay more, whereas areas that tend to be more rural have the enjoyment of a little cheaper coverage.
The information below ranks the most expensive places in Tennessee for government employees to purchase auto insurance in. Nashville is listed at #9 with an annual premium of $1,213 for car insurance, which is about $101 per month.
|Rank||City||Average Per Year|
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Prices are estimated as zip code location can impact auto insurance rates noticeably.
The vehicle model needing coverage is one of the largest considerations that determines if you can find the best cheap coverage for government employees. Vehicles with higher performance, a lack of safety features, or high incidents of liability claims will cost more to insure than safer models.
The data below outlines insurance costs for a selection of the most affordable automobiles to insure in Tennessee.
|Vehicle Make and Model||Estimated Cost for Full Coverage|
|Hyundai Elantra GLS Touring Station Wagon||$842|
|Ford Escape Limited 2WD||$862|
|Honda CR-V EX 2WD||$940|
|Ford Explorer XLT AWD||$945|
|Volkswagen Jetta S 2.5 Station Wagon||$996|
|Chevrolet Malibu LS||$1,005|
|Ford Edge Sport 2WD||$1,047|
|Nissan Altima 2.5 S 4-Dr Sedan||$1,055|
|Nissan Rogue S AWD||$1,065|
|Honda Odyssey Touring||$1,068|
|GMC Sierra SLE Regular Cab 4WD||$1,073|
|Chevrolet Equinox LT AWD||$1,083|
|Toyota Camry LE||$1,090|
|Dodge Grand Caravan Hero||$1,083|
|Toyota Tacoma 2WD||$1,086|
|Dodge Ram 3500 Crew Cab ST 2WD||$1,108|
|Ford F-150 FX4 Super Cab 4WD||$1,116|
|Toyota RAV4 Sport 2WD||$1,110|
|Jeep Wrangler Unlimited Sport 4WD 4-Dr||$1,117|
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Premium data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Tennessee minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, safe-driver, and multi-vehicle. Rates do not factor in specific zip code location which can lower or raise insurance rates significantly.
By looking at the data, we can expect models like the Hyundai Elantra, Ford Escape, Honda CR-V, Ford Explorer, and Volkswagen Jetta are most likely going to be a few of the less-costly vehicles to insure for state and federal workers.
Finding out which insurers offer the best auto insurance rates for government employees involves a little more sweat than just comparing rates from one or two companies. Every insurance provider used slightly different criteria to set premium rates, so let’s take a look at the auto insurance companies that tend to be cheaper in Nashville, TN.
It’s a good idea to be aware that Nashville, TN auto insurance rates are determined by lots of factors that can increase the policy price. Simply having a birthday, buying a home, or having an at-fault accident can trigger rate changes that can make some companies cheaper than others.
Best Cheap Insurance Rates in Tennessee
Utica National generally has some of the best car insurance rates in Nashville at around $767 each year. Auto-Owners, Cincinnati Insurance, Penn National, and Tennessee Farmers also are some of the cheapest Nashville, TN car insurance companies.
As the example above demonstrates, if you are currently insured with Cincinnati Insurance and switched to Utica National, you might realize a yearly price reduction of roughly $109. Customers with Penn National may save as much as $132 a year, and Tennessee Farmers insureds might lower prices by up to $156 a year.
Understand that those estimates are averaged across all drivers and vehicles in Tennessee and are not factoring in a specific zip code for government employees. So the company that is best for you may not even be in the top 30 companies in the list above. That points out the importance of why you need to compare prices as often as possible using your own driver and vehicle profiles.
Picking the highest-rated company is difficult considering how many companies there are to choose from in Tennessee. The company rank data listed below can help you choose which car insurance companies to look at when comparing rates. The rankings below are only comprised of the largest auto insurers in America, so smaller regional companies will not be included in the list.
Top 10 Large Auto Insurance Providers Overall in Nashville
- AAA Insurance
- State Farm
- The Hartford
- Safeco Insurance
- American Family
Top 10 Large Auto Insurance Providers in Nashville Ranked by Claims Service
- State Farm
- Liberty Mutual
- American Family
- AAA Insurance
- Titan Insurance
Price comparison of only insuring for liability
Buying cheaper auto insurance is probably important to the majority of drivers, and a great way to reduce the cost of insurance for government employees is to not pay for full coverage. The information below shows the comparison of insurance costs with full physical damage coverage compared to only buying liability only. The data assumes no violations or accidents, $250 deductibles, single status, and no discounts are factored in.
If averaged out across all ages, physical damage coverage on your policy costs an additional $1,521 per year over and above liability coverage. That amount may make you wonder if it’s a good idea to buy full coverage. There is no set guideline of when to exclude comp and collision coverage, but there is a guideline you can consider. If the annual cost of your full coverage insurance is 10% or more of the vehicle’s replacement cost less your deductible, then you might want to consider buying only liability coverage.
How to find the cheapest auto insurance for government employees
The list below shows some of the recommended thrifty suggestions that can help Nashville drivers locate low-cost coverage.
- Raise comprehensive and collision coverage deductibles
- Be a cautious driver
- Avoid accidents and claims
- Improve your credit score
- If possible, pay for small claims out-of-pocket
- Bundle home and auto and save
- Look for cheaper rates once a year by shopping around
That last idea is especially critical, as was noted in this article. Prices charged by auto insurers in Nashville can change in a short period of time, so drivers shouldn’t be reluctant to buy from a different company if a cheaper rate is available.
Many drivers prefer to stick with one company, but it isn’t a good idea if that faithfulness ends up costing you big bucks every year. In just a few minutes you could shop around to find cheaper insurance for government employees.
The Nashville car insurance agencies listed below are willing to provide answers to your questions and help you determine which car insurance policy is best, since some drivers wish to get some guidance when comparing insurance rates for state and federal workers. It can be complicated to find the cheapest car insurance policy, so a professional agent can give you peace of mind knowing your policy gives you sufficient protection if you have a claim. To find an agent close to you, click the button following the list.
Fridrich, Pinson and Associates Insurance Agency
3825 Bedford Ave #203 – Nashville, TN 37215 – (615) 327-0105
104 Woodmont Blvd – Nashville, TN 37205 – (615) 383-6700
Tri-City Insurance Agency
4400 Nolensville Pike – Nashville, TN 37211 – (615) 331-0770
Bobby Berry – State Farm Insurance Agent
703 Main St – Nashville, TN 37206 – (615) 271-2996