A recent car insurance study discovered that the majority of drivers renewed their policy with the same company for at least the last four years, and almost half have never shopped around. Consumers in Tennessee could pocket up to $480 a year by just comparing quotes, but they don’t understand how simple it is to compare rates.
If your goal is the lowest price, then the best way to quote cheaper auto insurance rates in Nashville is to regularly compare quotes from providers who sell insurance in Tennessee.
Step 1: Get a basic knowledge of auto insurance and the changes you can make to lower rates. Many policy risk factors that cause high rates like accidents, careless driving, and a substandard credit score can be remedied by improving your driving habits or financial responsibility. Read the full article for ideas to help keep prices low and find hidden discounts.
Step 2: Compare rates from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can only give rate quotes from a single company like GEICO and Allstate, while independent agencies can quote rates for a wide range of insurance providers.
Step 3: Compare the new rate quotes to your existing coverage and see if you can save money. If you find a better price and buy the policy, make sure coverage is continuous and does not lapse.
Step 4: Give proper notification to your current agent or company of your intention to cancel your current policy and submit the completed application along with a down payment to the new company. Once coverage is bound, safely store the proof of insurance certificate along with your vehicle registration.
One key aspect when comparing rates is that you’ll want to make sure you compare the same level of coverage on every quote and and to get rates from as many companies as possible. Doing this helps ensure an apples-to-apples comparison and a thorough price selection.
Most companies allow you to get coverage price quotes on the web. Doing online price comparisons for Honda Accord insurance in Nashville is pretty painless because it’s just a matter of typing in your coverage preferences into a form. When the form is submitted, the system collects reports for credit and driving violations and returns a price quote based on these factors. Getting online price quotes for Honda Accord insurance in Nashville streamlines rate comparisons, and it is imperative to perform this step in order to find a lower rate.
To compare rates now, compare rates now from the companies shown below. If you currently have coverage, we recommend that you enter your coverages as close as possible to your current policy. Doing this assures you will get rate comparison quotes based on identical coverages.
The auto insurance companies shown below are our best choices to provide free quotes in Tennessee. If multiple companies are listed, it’s highly recommended you get prices from several of them in order to get a fair rate comparison.
Auto insurance does more than just protect your car
Despite the high cost, buying auto insurance is required for several reasons.
- Most states have minimum liability requirements which means you are required to carry specific limits of liability insurance coverage in order to drive the car. 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, more than likely the lender will require you to have physical damage coverage to ensure loan repayment if the vehicle is totaled. If the policy lapses, the bank may buy a policy for your Honda for a much higher rate and force you to pay much more than you were paying before.
- Insurance protects both your Honda and your personal assets. It also can pay for medical transport and hospital expenses that are the result of an accident. One of the most valuable coverages, liability insurance, will also pay for a defense attorney in the event you are sued. If your Honda gets damaged, collision and comprehensive (also known as other-than-collision) coverage will cover the damage repairs after a deductible is paid.
The benefits of insuring your car outweigh the cost, particularly if you ever have a claim. On average, a vehicle owner in Nashville is currently overpaying as much as $830 a year so you should quote your policy with other companies every year to ensure rates are inline.
Analysis of Honda Accord rates
The data table shown below outlines estimates of insurance rates for Honda Accord models. Understanding more about how insurance quotes are established can be useful when making decisions on the best policy coverages.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Accord LX 4-Dr Sedan | $210 | $362 | $250 | $14 | $74 | $910 | $76 |
| Accord LX 4-Dr Sedan | $210 | $362 | $250 | $14 | $74 | $910 | $76 |
| Accord EX 4-Dr Sedan | $210 | $362 | $250 | $14 | $74 | $910 | $76 |
| Accord LX-P 4-Dr Sedan | $210 | $362 | $250 | $14 | $74 | $910 | $76 |
| Accord LX-P 4-Dr Sedan | $210 | $362 | $250 | $14 | $74 | $910 | $76 |
| Accord EX-L 4-Dr Sedan | $242 | $440 | $250 | $14 | $74 | $1,020 | $85 |
| Accord EX 2-Dr Coupe | $242 | $518 | $332 | $20 | $100 | $1,212 | $101 |
| Accord LX-S 2-Dr Coupe | $242 | $518 | $332 | $20 | $100 | $1,212 | $101 |
| Accord EX-L 2-Dr Coupe | $272 | $518 | $332 | $20 | $100 | $1,242 | $104 |
| Get Your Own Custom Quote Go | |||||||
Data rating is based on married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Tennessee minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, homeowner, and claim-free. Price estimates do not factor in zip code location which can alter auto insurance rates considerably.
How high should deductibles be?
One common question asked by Nashville drivers is how high should your deductibles be. The tables below illustrate the cost difference of buying low and high deductibles. The first rate table uses a $100 deductible for comprehensive and collision coverage and the second set of rates uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Accord LX 4-Dr Sedan | $216 | $368 | $246 | $14 | $74 | $943 | $79 |
| Accord LX 4-Dr Sedan | $216 | $368 | $246 | $14 | $74 | $943 | $79 |
| Accord EX 4-Dr Sedan | $216 | $368 | $246 | $14 | $74 | $943 | $79 |
| Accord LX-P 4-Dr Sedan | $216 | $368 | $246 | $14 | $74 | $943 | $79 |
| Accord LX-P 4-Dr Sedan | $216 | $368 | $246 | $14 | $74 | $943 | $79 |
| Accord EX-L 4-Dr Sedan | $248 | $448 | $246 | $14 | $74 | $1,055 | $88 |
| Accord EX 2-Dr Coupe | $248 | $528 | $326 | $20 | $98 | $1,245 | $104 |
| Accord LX-S 2-Dr Coupe | $248 | $528 | $326 | $20 | $98 | $1,245 | $104 |
| Accord EX-L 2-Dr Coupe | $280 | $528 | $326 | $20 | $98 | $1,277 | $106 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Accord LX 4-Dr Sedan | $158 | $250 | $246 | $14 | $74 | $742 | $62 |
| Accord LX 4-Dr Sedan | $158 | $250 | $246 | $14 | $74 | $742 | $62 |
| Accord EX 4-Dr Sedan | $158 | $250 | $246 | $14 | $74 | $742 | $62 |
| Accord LX-P 4-Dr Sedan | $158 | $250 | $246 | $14 | $74 | $742 | $62 |
| Accord LX-P 4-Dr Sedan | $158 | $250 | $246 | $14 | $74 | $742 | $62 |
| Accord EX-L 4-Dr Sedan | $182 | $304 | $246 | $14 | $74 | $820 | $68 |
| Accord EX 2-Dr Coupe | $182 | $358 | $326 | $20 | $98 | $984 | $82 |
| Accord LX-S 2-Dr Coupe | $182 | $358 | $326 | $20 | $98 | $984 | $82 |
| Accord EX-L 2-Dr Coupe | $204 | $358 | $326 | $20 | $98 | $1,006 | $84 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Tennessee minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, homeowner, and multi-vehicle. Estimates do not factor in specific Nashville garaging location which can revise prices substantially.
Based on the data above, we can derive that using a $100 deductible costs approximately $19 more each month or $228 a year than buying the higher $500 deductible. Since you would pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you have more than 21 months between claims, you would probably save some money if you opt for a higher deductible.
The information below illustrates how choosing a deductible and can change Honda Accord premium costs for different age groups. The premiums are based on a married female driver, comprehensive and collision coverage, and no discounts are applied to the premium.
Cautious Nashville drivers save money
The diagram below demonstrates how traffic citations and at-fault claims drive up Honda Accord insurance costs for different age groups. The price estimates are based on a single female driver, full physical damage coverage, $250 deductibles, and no additional discounts are factored in.
Age-based car insurance rates by gender in Nashville
The chart below illustrates the difference between Honda Accord insurance rates for male and female drivers. Data assumes no tickets, no at-fault accidents, full physical damage coverage, $500 deductibles, marital status is single, and no discounts are applied.
Score discounts on Nashville auto insurance
Auto insurance is not cheap nor is it fun to buy but you might already qualify for some discounts that you may not even be aware of. Many discounts should be triggered at quote time, but some must be manually applied before being credited. If they aren’t giving you every credit available, you are paying more than you should be.
- Theft Prevention Discount – Cars, trucks, and SUVs optioned with advanced anti-theft systems prevent vehicle theft and can earn a small discount on your policy.
- Auto/Home Discount – If you can bundle your home and auto insurance with the same insurance company you could save approximately 10% to 15%.
- Early Switch Discount – Some larger companies reward drivers for buying a policy early. It can save you around 10%.
- Mature Driver Discount – Older drivers can get a small discount on rates.
- Telematics Devices – Policyholders that allow their company to monitor vehicle usage remotely such as Progressive’s Snapshot might see lower rates if they are good drivers.
- First Accident Forgiveness – This isn’t a discount exactly, but companies like Progressive, Allstate, and GEICO allow you one accident without getting socked with a rate hike if you are claim-free for a set time period.
It’s important to note that some credits don’t apply to the overall cost of the policy. The majority will only reduce specific coverage prices like comp or med pay. So even though they make it sound like all the discounts add up to a free policy, you aren’t that lucky.
The information below illustrates the difference between Honda Accord car insurance costs with and without discounts applied to the premium. The data is based on a male driver, no claims or violations, Tennessee state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, homeowner, safe-driver, multi-car, multi-policy, and claim-free discounts applied.
To view providers offering auto insurance discounts in Tennessee, follow this link.
You may need advice from an agent
Certain consumers prefer to get professional advice from a licensed agent and often times that is recommended Licensed agents are trained risk managers and give you someone to call. One of the best bonuses of getting free rate quotes online is the fact that you can find cheap car insurance rates and still choose a local agent. Putting coverage with neighborhood insurance agencies is important especially in Nashville.
To make it easy to find an agent, after completing this form (opens in new window), your insurance data is instantly submitted to insurance agents in Nashville who can give free rate quotes for your insurance coverage. It makes it easy because there is no need to search for any insurance agencies as quotes are delivered straight to your inbox. If you want to get a rate quote from a particular provider, feel free to find their quoting web page and give them your coverage information.
When searching for a reliable insurance agency, it helps to know the two types of insurance agents and how they are slightly different. Car insurance agents in Nashville can be described as either independent or exclusive. Both sell car insurance policies, but it’s important to know the differences because it can influence the selection process.
Independent Agencies or Brokers
Agents that elect to be independent do not sell for just one brand so as a result can place your coverage through many different car insurance companies and find the cheapest car insurance rates. If your agent finds better pricing, they simply move the coverage in-house and you won’t have to switch agencies.
If you are trying to find cheaper rates, we recommend you get insurance quotes from independent agents in order to compare the most rates.
Featured below is a small list of independent insurance agents in Nashville that may be able to provide competitive price quotes.
Hale Insurance, LLC
301 29th Ave N – Nashville, TN 37203 – (615) 321-4150 – View Map
Zander Insurance Group
6213 Charlotte Pike – Nashville, TN 37209 – (615) 356-1700 – View Map
Nationwide Insurance: Gaffney Insurance Agency and Financial Services LLC
946 Jefferson St #103 – Nashville, TN 37208 – (615) 733-3133 – View Map
Exclusive Insurance Agents
These agents are contracted to one company like American Family, State Farm, and Allstate. Exclusive agencies are unable to give you multiple price quotes so you need to shop around if the rates are high. These agents are usually well trained on their products and sales techniques which helps offset the inability to provide other markets.
Listed below are Nashville exclusive insurance agencies that are able to give price quotes.
Phil Hardeman – State Farm Insurance Agent
3708 Nolensville Rd c – Nashville, TN 37211 – (615) 832-0630 – View Map
Marc Gant – State Farm Insurance Agent
6601 Sugar Valley Dr #114 – Nashville, TN 37211 – (615) 941-7094 – View Map
Heather Farmer State Farm Insurance
6592 TN-100 Suite 2 – Nashville, TN 37205 – (615) 356-6503 – View Map
Choosing the best car insurance agent shouldn’t rely on just a cheap price quote. Here are some questions you should ask.
- Is working in the agency their full-time job?
- Can glass claims be handled at your home?
- Are there any discounts that you might be missing?
- Can they provide you with a list of referrals?
- Do they have adequate Errors and Omissions coverage? This protects you if they make a mistake.
After you get good responses to these questions and low cost Honda Accord insurance quotes, you’ve probably found an insurance agency that is professional and can properly service your car insurance policy. Just keep in mind policyholders can cancel coverage whenever you choose to so don’t feel that you are obligated to any specific company for the full policy term.
Which auto insurance company is best in Tennessee?
Buying coverage from the highest-rated auto insurance provider can be a challenge considering how many different companies insure vehicles in Tennessee. The information below may help you analyze which coverage providers to look at comparing price quotes from.
Top 10 Nashville Car Insurance Companies Ranked by Customer Service
- USAA
- Travelers
- Mercury Insurance
- AAA Insurance
- Nationwide
- Safeco Insurance
- Progressive
- State Farm
- The Hartford
- The General
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%
Compare but don’t skimp
You just read many ways to reduce Honda Accord insurance premium rates online in Nashville. It’s most important to understand that the more quotes you get, the higher your chance of finding affordable Nashville auto insurance quotes. Drivers may even discover the most savings is with a smaller regional carrier. These companies may cover specific market segments cheaper than the large multi-state companies such as Progressive or GEICO.
Cheaper Honda Accord insurance in Nashville can be sourced on the web and with local Nashville insurance agents, and you should be comparing both to get a complete price analysis. Some companies do not offer the ability to get a quote online and these regional insurance providers only sell coverage through local independent agencies.
As you prepare to switch companies, it’s very important that you do not buy poor coverage just to save money. Too many times, an insured dropped liability coverage limits and learned later that the savings was not a smart move. The aim is to buy enough coverage at the best possible price, not the least amount of coverage.
More information is available at these links:
- Avoiding Deer Collisions (Insurance Information Institute)
- What Auto Insurance is Cheapest for a Ford Explorer in Nashville? (FAQ)
- Who Has Cheap Nashville Car Insurance Rates for 16 Year Olds? (FAQ)
- How Much are Nashville Car Insurance Quotes for Teenage Males? (FAQ)
- Who Has Affordable Car Insurance Rates for Good Students in Nashville? (FAQ)
- Who Has Affordable Auto Insurance Quotes for Homeowners in Nashville? (FAQ)
- Rental Car Insurance Tips (Insurance Information Institute)
- What is Full Coverage? (Allstate)
- Understanding Car Crashes Video (iihs.org)