If you want to find the absolute lowest rates, then the best way to find cheaper quotes for car insurance rates in Nashville is to begin comparing prices regularly from different companies that insure vehicles in Tennessee.
Step 1: Spend some time learning about the coverage provided by your policy and the factors you can control to keep rates in check. Many factors that drive up the price such as getting speeding tickets and bad credit can be improved by being financially responsible and driving safely.
Step 2: Compare rates from direct, independent, and exclusive agents. Direct and exclusive agents can only provide price estimates from a single company like GEICO or Farmers Insurance, while independent agents can provide price quotes from multiple insurance companies. View companies
Step 3: Compare the new rate quotes to your existing rates and see if there is a cheaper rate. If you find better rates and change companies, make sure coverage does not lapse between policies.
Step 4: Give notification to your agent or company of your intention to cancel your current policy and submit the signed application along with the required initial payment for the new coverage. Once coverage is bound, store the certificate verifying proof of insurance in an easily accessible location.
A key point to remember is to try to use identical limits and deductibles on each quote and and to get rate quotes from as many auto insurance providers as possible. Doing this guarantees a level playing field and the most accurate and complete price analysis.
Sadly, a large majority of consumers kept their policy with the same company for at least four years, and just under half have never shopped around. Drivers in Nashville can save hundreds of dollars each year by just comparing rate quotes, but they feel it’s too difficult to shop around.
Best BMW X1 insurance prices in Tennessee
The companies in the list below can provide free quotes in Tennessee. If you wish to find the best cheap auto insurance in Nashville, TN, it’s a good idea that you compare several of them in order to find the lowest rates.
Don’t neglect these discounts
Insuring your fleet can be pricey, but there’s a good chance there are discounts that you may not even be aware of. Many of these discounts will be applied automatically at quote time, but a few must be inquired about before being credited.
- Student Discount for Driver Training – Reduce the cost of insurance for teen drivers by having them enroll and complete driver’s education as it can save substantially.
- Senior Discount – Drivers that qualify as senior citizens are able to get a slight reduction on a Nashville auto insurance quote.
- E-sign Discounts – A handful of larger companies will provide an incentive just for signing your application on the web.
- Bundled Policy Discount – When you combine your homeowners and auto insurance and insure them both with the same insurance company you will save at least 10 to 15 percent or more.
- Discount for Passive Restraints – Vehicles equipped with air bags or motorized seat belts may get savings of up to 25% or more.
- Payment Discounts – If you can afford to pay the entire bill rather than paying monthly you may reduce your total bill.
- ABS and Traction Control Discounts – Cars and trucks that have anti-lock braking systems can reduce accidents and earn discounts up to 10%.
Policy discounts save money, but most credits do not apply to the entire policy premium. Some only reduce specific coverage prices like medical payments or collision. So despite the fact that it appears all the discounts add up to a free policy, companies don’t profit that way.
A list of companies and the discounts they provide can be found below.
- State Farm may have discounts that include driver’s education, anti-theft, Steer Clear safe driver discount, good driver, good student, and Drive Safe & Save.
- Progressive offers discounts including multi-vehicle, online signing, homeowner, good student, online quote discount, continuous coverage, and multi-policy.
- Progressive has savings for multi-policy, online signing, homeowner, multi-vehicle, online quote discount, continuous coverage, and good student.
- MetLife policyholders can earn discounts including claim-free, good student, accident-free, multi-policy, good driver, and defensive driver.
- Farm Bureau discounts include good student, renewal discount, driver training, multi-vehicle, multi-policy, and youthful driver.
- GEICO may offer discounts for membership and employees, driver training, anti-theft, military active duty, and multi-vehicle.
- SAFECO includes discounts for teen safe driver, multi-car, safe driver, anti-theft, and teen safety rewards.
When getting a coverage quote, ask each company or agent to apply every possible discount. Some discounts listed above might not be offered on policies in your state. To choose providers who offer auto insurance discounts in Tennessee, follow this link.
Local Nashville insurance agents and auto insurance
Some people just want to talk to an insurance agent and often times that is recommended Good agents are trained to spot inefficiencies and help submit paperwork. The best thing about getting free rate quotes online is you can get cheap auto insurance rates but still work with a licensed agent. Buying from local agents is still important in Nashville.
Upon completion of this quick form, your insurance coverage information is submitted to local insurance agents in Nashville who want to provide quotes for your coverage. There is no reason to find an agent since price quotes are sent directly to you. If you want to quote rates from one company in particular, you just need to find their quoting web page and complete a quote there.
Exclusive or Independent: There is a difference
When researching an insurance agent, it’s helpful to know the different types of agencies that you can choose from. Nashville agents are categorized either independent (non-exclusive) or exclusive. Either one can insure your vehicles properly, but it is a good idea to know why they differ because it can factor into the kind of agent you use.
Independent Agents
Agents in the independent channel do not write with just one company so they can insure your vehicles with multiple insurance companies depending on which coverage is best. If they find a cheaper price, an independent agent can move your coverage without you having to go to a different agency. If you need cheaper auto insurance rates, it’s a good idea to include price quotes from several independent agencies for maximum quote selection. Many can place coverage with less well-known companies that can offer cheaper rates than bigger companies.
Featured below are Nashville independent agencies that may be able to provide competitive price quotes.
- Chamberlain Insurance Agency
4741 Trousdale Dr #104 – Nashville, TN 37220 – (615) 922-2317 – View Map - Nationwide Insurance: Eric Pirtle Insurance Agency
2630 Old Lebanon Rd – Nashville, TN 37214 – (615) 889-3640 – View Map - Nationwide Insurance: April Bowers Agency Inc
211 Donelson Pike #8 – Nashville, TN 37214 – (615) 883-8183 – View Map
Exclusive Agents
These agents generally can only insure with one company such as State Farm, AAA, Farmers Insurance or Allstate. These agents are not able to provide prices from multiple companies so they have no alternatives for high prices. They are well schooled on sales techniques and that enables them to sell even at higher rates. Some consumers prefer to buy insurance from these agents mostly because of the prominent brand name and strong financial ratings.
Shown below is a short list of exclusive insurance agencies in Nashville willing to provide rate quotes.
- Holly Williams – State Farm Insurance Agent
8010 TN-100 – Nashville, TN 37221 – (615) 662-1551 – View Map - Bobby Berry – State Farm Insurance Agent
703 Main St – Nashville, TN 37206 – (615) 271-2996 – View Map - Jerry Matthews – State Farm Insurance Agent
2010 Old Murfreesboro Rd – Nashville, TN 37217 – (615) 361-1516 – View Map
Finding the right insurance agency requires you to look at more than just the price. Below are some questions you should ask.
- Can they provide you with a list of referrals?
- Are you getting all the discounts the company offers?
- What are their preferred companies if they are an independent agency?
- How experienced are they in personal risk management?
- How long has the business existed?
Which auto insurance company is best in Tennessee?
Finding the highest-rated auto insurance provider can be difficult considering how many different companies there are to choose from in Nashville. The company ratings listed below can help you analyze which providers to look at comparing price quotes from.
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%
Quote more and you will save more
We covered a lot of techniques to get a better price on BMW X1 insurance in Nashville. The key concept to understand is the more times you quote, the better your chances of lowering your premium rates. You may even discover the lowest car insurance rates are with a smaller regional carrier.
Drivers who switch companies do it for many reasons like being labeled a high risk driver, unfair underwriting practices, policy non-renewal and even delays in responding to claim requests. Regardless of your reason for switching companies, finding a new auto insurance company can be easier than you think.
Affordable BMW X1 insurance in Nashville is available online and with local Nashville insurance agents, and you need to price shop both in order to have the best chance of saving money. Some insurance companies do not provide rate quotes online and usually these smaller companies prefer to sell through independent agents.
Even more information can be read in the articles below:
- New Honda safety features benefit drivers of all ages (Insurance Institute for Highway Safety)
- How Much is Car Insurance for a Toyota Tacoma in Nashville? (FAQ)
- Medical Payments Coverage (Liberty Mutual)
- What is a Telematics Device? (Allstate)
- Vehicle Insurance in the U.S. (Wikipedia)