How to find cheaper Nashville car insurance rates

Truthfully, the best way to get more affordable auto insurance prices in Nashville is to do a yearly price comparison from providers in Tennessee. You can compare rates by following these guidelines.

  1. Get an understanding of how your policy works and the steps you can take to lower rates. Many rating factors that are responsible for high rates like traffic tickets, fender benders, and poor credit rating can be remedied by making small lifestyle or driving habit changes. Later in this article we will cover tips to help reduce premium rates and get discounts that may be overlooked.
  2. Compare rates from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only give rate quotes from a single company like GEICO or Allstate, while independent agencies can provide prices from multiple sources.
  3. Compare the price quotes to the premium of your current policy to see if switching to a new carrier will save money. If you find a better price and buy the policy, make sure there is no lapse between the expiration of your current policy and the new one.
  4. Provide notification to your current company to cancel your current car insurance policy and submit any necessary down payment along with the completed application to your new agent or company. Immediately upon receiving it, keep the new certificate verifying proof of insurance with your registration paperwork.

A valuable tip to remember is to make sure you enter identical coverage information on every price quote and and to analyze as many companies as feasibly possible. Doing this ensures the most accurate price comparison and a thorough price selection.

Auto insurance rates are determined by a lot of factors, and one important factor is the type of vehicle you drive. The pricing data below shows the policy premium for the best selling vehicles insured in Nashville.

Insurance Rates for Popular Cars in Nashville
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Malibu Hybrid $1,000 $500 $83
Ford Focus SEL 4-Dr Sedan $1,038 $519 $87
Honda Accord EX-L 2-Dr Coupe $1,146 $573 $96
Honda Civic Hybrid 4-Dr Sedan $1,084 $542 $90
Hyundai Elantra GLS Touring Station Wagon $844 $422 $70
Hyundai Sonata GLS 4-Dr Sedan $1,062 $531 $89
Toyota Camry Hybrid $1,146 $573 $96
Volkswagen Jetta SE 4-Dr Sedan $1,084 $542 $90
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Above prices assume single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Tennessee minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, multi-vehicle, and safe-driver. Information does not factor in vehicle garaging location which can lower or raise rates significantly.

Car Insurance Rates for Popular Pickup Trucks in Nashville
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Colorado LT Extended Cab 2WD $976 $488 $81
Chevrolet Silverado 2500HD LTZ Crew Cab 2WD $1,234 $617 $103
Chevrolet Silverado LS Regular Cab 2WD $976 $488 $81
Dodge Ram Crew Cab Sport 2WD $1,170 $585 $98
Ford F-150 XLT Regular Cab 4WD $938 $469 $78
Ford F-250 XLT 4WD $1,202 $601 $100
GMC Canyon SLT Ext Cab 2WD $1,000 $500 $83
GMC Sierra 3500HD SLE Extended Cab 2WD $1,108 $554 $92
GMC Sierra SLE Regular Cab 2WD $1,000 $500 $83
Toyota Tundra SR/5 Double Cab 4WD $1,084 $542 $90
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Data based on single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Tennessee minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, claim-free, and multi-policy. Rate quotes do not factor in zip code location which can change prices noticeably.

Insurance Rates for Popular SUVs and Crossovers in Nashville
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Acura RDX Technology Package 2WD $1,014 $507 $85
Buick Enclave XL 2WD $1,084 $542 $90
Chevrolet Suburban LTZ 4WD $1,108 $554 $92
Chevrolet Traverse LS 2WD $868 $434 $72
Ford Escape Limited 2WD $868 $434 $72
Ford Explorer XLT 2WD $938 $469 $78
GMC Acadia SLT AWD $1,022 $511 $85
GMC Terrain SLT AWD $1,014 $507 $85
Honda CR-V LX 4WD $844 $422 $70
Honda Pilot EX-L 2WD $1,022 $511 $85
Hyundai Tucson GLS 4WD $938 $469 $78
Jeep Grand Cherokee Laredo 2WD $1,000 $500 $83
Toyota Highlander 2WD $938 $469 $78
Toyota RAV4 Limited 4WD $1,000 $500 $83
Volvo XC90 V8 AWD $1,172 $586 $98
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Data rating is based on single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Tennessee minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, multi-vehicle, and claim-free. Rate quotes do not factor in specific Nashville garaging location which can alter auto insurance rates significantly.

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Careless driving habits raise insurance rates

The diagram below shows how violations and accident claims can raise auto insurance costs for different ages of insureds. The premium estimates are based on a single male driver, comp and collision included, $100 deductibles, and no discounts are factored in.

Top 10 cheapest vehicles to insure in Nashville, TN
Honda Fit
Hyundai Accent
Mini Cooper
Kia Rondo
Honda Accord
Ford Escape
Mazda MX-5 Miata
Mazda 5
Chrysler PT Cruiser
Honda CR-V
Top 10 most expensive vehicles to insure in Nashville, TN
Mercedes-Benz S65 AMG
Mercedes-Benz CL65 AMG
Mercedes-Benz CL600
Audi R8
Mercedes-Benz CL63 AMG
BMW 760L
Mercedes-Benz S600
BMW M6
Mercedes-Benz S63 AMG
Porsche 911
Top 10 safest vehicles to insure in Nashville, TN
Buick Enclave
GMC Acadia
Chrysler Town and Country
Toyota Tacoma
Ford F-150
Subaru Outback
GMC Sierra
Ford Escape
Volvo XC60
Chevrolet Suburban

Three reasons to insure your vehicle

Despite the fact that car insurance is not cheap in Nashville, buying car insurance is a good idea for several reasons.

First, just about all states have mandatory insurance requirements which means you are required to carry a specific minimum amount of liability in order to get the vehicle licensed. 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.

Second, if you have a lien on your vehicle, most banks will force you to have comprehensive coverage to guarantee their interest in the vehicle. If coverage lapses or is canceled, the lender may have to buy a policy to insure your vehicle for a much higher rate and force you to pay the higher price.

Third, car insurance preserves both your vehicle and your assets. It will also pay for all forms of medical expenses for yourself as well as anyone injured by you. Liability insurance also pays expenses related to your legal defense if you cause an accident and are sued. 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 to have it repaired.

The benefits of buying enough insurance greatly outweigh the cost, specifically if you ever have a liability claim. Unknowingly, the average driver overpays as much as $810 a year so compare quotes from several companies each time the policy renews to ensure rates are inline.