Astonishing but true according to a recent study, the vast majority of consumers in Tennessee kept buying from the same company for over three years, and nearly half have never even shopped around for cheap coverage. U.S. insurance shoppers could save as much as 46.5% each year just by getting comparison quotes, but they underestimate the amount of money they would save if they bought a different policy.
If you want to save the most money, the best way to find better pricing on Lexus LX 570 insurance in Nashville is to make a habit of comparing prices annually from providers who provide auto insurance in Tennessee.
- Try to understand coverages and the things you can control to keep rates in check. Many things that result in higher prices such as at-fault accidents and a negative credit rating can be controlled by making small lifestyle or driving habit changes. This article gives more details to get cheaper coverage and get bigger discounts that may have been overlooked.
- Request rate estimates from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can only provide price estimates from one company like Progressive or Farmers Insurance, while independent agents can provide prices for a wide range of companies. Begin your rate comparison
- Compare the new rate quotes to the price on your current policy to determine if you can save on LX 570 insurance. If you find better rates and make a switch, make sure the effective date of the new policy is the same as the expiration date of the old one.
One key aspect of rate comparisons is that you use identical deductibles and limits on each quote request and and to look at as many companies as possible. This guarantees an accurate price comparison and many rates to choose from.
Buying affordable insurance in Nashville is really quite simple as long as you have a good starting point. If you have a current insurance policy, you will be able to cut your premiums using this strategy. Drivers only need an understanding of the fastest way to compare rates using one simple form.
Cheapest Lexus insurance rates in Nashville
The companies in the list below offer free rate quotes in Nashville, TN. If multiple companies are listed, it’s a good idea that you visit as many as you can in order to get a fair rate comparison.
Data for Lexus LX 570 insurance
The information displayed next showcases a range of insurance policy prices for Lexus LX 570 models. Learning a little about how insurance quotes are formulated can aid in making smart policy decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| LX 570 4WD 4-Dr | $352 | $754 | $326 | $20 | $98 | $1,550 | $129 |
| Get Your Own Custom Quote Go | |||||||
Data based on single female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Tennessee minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, claim-free, and multi-policy. Rate information does not factor in your specific Nashville location which can modify coverage rates greatly.
Higher deductibles save money
One common question asked by Nashville drivers is where to set your physical damage deductibles. The tables below summarize the differences in price when you choose different coverage deductibles. The first set of rates uses a $250 deductible and the second pricing table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| LX 570 4WD 4-Dr | $366 | $644 | $288 | $18 | $86 | $1,427 | $119 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| LX 570 4WD 4-Dr | $226 | $406 | $288 | $18 | $86 | $1,024 | $85 |
| Get Your Own Custom Quote Go | |||||||
Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Tennessee minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-vehicle, and multi-policy. Information does not factor in your specific Nashville location which can raise or lower premium rates substantially.
Using the data above, we can ascertain that using a $250 deductible will cost you approximately $34 more each month or $408 each year than quoting the higher $1,000 deductible. Because you would pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you average at a minimum 22 months between claims, you would probably come out ahead by going with a higher deductible.
How careless driving impacts car insurance rates
The chart below demonstrates how speeding tickets and at-fault fender-benders can increase Lexus LX 570 yearly insurance costs for different age groups. The costs are based on a single male driver, comprehensive and collision coverage, $500 deductibles, and no discounts are applied.
Get cheaper Lexus LX 570 insurance rates in Nashville
Auto insurance companies don’t list all their discounts in a way that’s easy to find, so the next list breaks down a few of the more common as well as some of the hidden credits that may apply to you.
- Clubs and Organizations – Joining certain professional organizations is a good way to get lower rates on your policy.
- Homeowners Savings – Owning your own home or condo may trigger a policy discount on auto insurance because it shows financial diligence.
- Theft Prevention Discount – Cars and trucks with anti-theft systems can help prevent theft and earn discounts up to 10% off your Nashville auto insurance quote.
- Discounts for Good Drivers – Accident-free drivers could pay up to 40% less compared to accident prone drivers.
- Accident Forgiveness – Not necessarily a discount, but certain companies will let one accident slide before hitting you with a surcharge with the catch being you have to be claim-free prior to the accident.
- Discount for Good Grades – Getting good grades can save 20 to 25%. Most companies allow this discount until age 25.
- Payment Method – If you pay your entire premium ahead of time rather than spreading payments over time you can avoid the installment charge.
- ABS and Traction Control Discounts – Anti-lock brake equipped vehicles can avoid accidents and qualify for as much as a 10% discount.
Don’t be shocked that many deductions do not apply to the entire policy premium. Some only reduce individual premiums such as comp or med pay. Even though the math looks like you can get free auto insurance, you aren’t that lucky.
The chart below illustrates the comparison of Lexus LX 570 premium costs with and without discounts applied. The premiums are based on a female driver, no violations or claims, Tennessee state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-policy, multi-car, claim-free, homeowner, and safe-driver discounts applied.
Larger auto insurance companies and some of the premium reductions they offer are:
- GEICO offers discounts including multi-vehicle, anti-lock brakes, good student, defensive driver, daytime running lights, and military active duty.
- Travelers may offer discounts for continuous insurance, home ownership, multi-car, new car, save driver, early quote, and student away at school.
- Nationwide discounts include accident-free, good student, easy pay, defensive driving, business or organization, and Farm Bureau membership.
- Farmers Insurance offers premium reductions for distant student, switch companies, pay in full, mature driver, youthful driver, homeowner, and teen driver.
- Esurance has discounts for Pac-12 alumni, good student, multi-policy, emergency road assistance, defensive driver, good driver, and online shopper.
- State Farm policyholders can earn discounts including accident-free, good driver, multiple policy, multiple autos, good student, defensive driving training, and passive restraint.
- Progressive offers discounts for multi-policy, homeowner, online signing, online quote discount, multi-vehicle, and good student.
- Mercury Insurance may have discounts that include ease of repair, anti-theft, good student, professional/association, and location of vehicle.
When comparing rates, check with every insurance company which discounts you qualify for. Some discounts listed above may not apply to policies in Nashville. To see a list of insurance companies who offer auto insurance discounts in Nashville, click here to view.
There’s no such thing as the perfect auto insurance policy
When quoting and comparing coverage for your personal vehicles, there really isn’t a perfect coverage plan. Coverage needs to be tailored to your specific needs.
These are some specific questions may help you determine if you would benefit from an agent’s advice.
- What if I owe more than I can insure my car for?
- Does my insurance cover a custom paint job?
- What does PIP insurance cover?
- Does liability extend to a camper or trailer?
- What is medical payments coverage?
- How can I force my company to pay a claim?
- How does medical payments coverage work?
- When would I need additional glass coverage?
If it’s difficult to answer those questions but a few of them apply then you might want to talk to an agent. To find an agent in your area, simply complete this short form. It’s fast, free and can provide invaluable advice.
Shop online but buy locally
Some people would rather buy from a local agent and that is a personal choice. Agents can help you choose the best coverages and help in the event of a claim. The biggest benefit of comparing rates online is the fact that drivers can get the lowest rates and still have an agent to talk to.
To make it easy to find an agent, after completing this simple form, the quote information gets sent to local insurance agents who can give free rate quotes for your business. There is no reason to leave your house since price quotes are sent to you instantly. If you want to compare rates from a specific car insurance provider, you would need to jump over to their website and submit a quote form there.
Deciding on a insurance company should include more criteria than just a cheap price. Here are some questions you should ask.
- Are they able to influence company decisions when a claim is filed?
- Do they have a Better Business Bureau rating in Nashville?
- How many years have they been established?
- Do you have coverage for a rental car if your vehicle is in the repair shop?
- Will the quote change when the policy is issued?
- How much training do they have in personal risk management?
- Is insurance their full-time profession?
Independent or Exclusive: It’s your choice
If you’re trying to find a reliable agent, you must know there are a couple different types of agencies and how they differ in how they can insure your vehicles. Car insurance agencies can either be exclusive or independent agents depending on their company appointments. Either can provide car insurance policies, but it’s worth mentioning how they are different since it can affect which agent you choose.
Exclusive Agencies
Agents of this type can only provide pricing for a single company and examples are Allstate, Farmers Insurance or State Farm. Exclusive agents cannot shop your coverage around so you might not find the best rates. Exclusive agents are usually quite knowledgeable on sales techniques and that enables them to sell even at higher rates. Consumers sometimes choose to use a exclusive agent primarily because of the prominent brand name and strong financial ratings.
Listed below are exclusive insurance agents in Nashville willing to provide rate 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 - Mark Le Clair – State Farm Insurance Agent
5548 Franklin Pike #201 – Nashville, TN 37220 – (615) 292-9233 – View Map
Independent Agents
Independent agents are not employed by one company so they can quote policies with lots of companies and find you cheaper rates. If your agent finds better pricing, the agent simply finds a different carrier and you can keep the same agent.
When searching for an agent, we recommend you compare quotes from several independent insurance agents in order to compare the most rates. Many can place coverage with additional companies that you may not be familiar with which may have better rates.
Shown below are Nashville independent insurance agents willing to provide price quote information.
- Eby Insurance
65 Parris Ave – Nashville, TN 37210 – (615) 254-8343 – View Map - Greater Nashville Insurance
208 McGavock Pike A – Nashville, TN 37214 – (615) 885-5882 – View Map - Spann Agency
710 Thompson Ln – Nashville, TN 37204 – (615) 383-8000 – View Map
Tennessee auto insurance companies
Buying coverage from a high-quality auto insurance company is hard considering how many different companies sell coverage in Nashville. The company information listed below could help you pick which insurers you want to consider shopping prices with.
Top 10 Nashville Car Insurance Companies Ranked by Claims Service
- Travelers
- Allstate
- Nationwide
- State Farm
- GEICO
- Liberty Mutual
- American Family
- Esurance
- AAA Insurance
- Titan Insurance
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
Quote more and you will save more
Cheaper insurance in Nashville can be bought online as well as from insurance agents, and you should compare rates from both so you have a total pricing picture. Some companies don’t offer online rate quotes and many times these regional insurance providers work with independent agents.
You just read a lot of tips how to compare Lexus LX 570 insurance car insurance rates in Nashville. It’s most important to understand that the more companies you get premium rates for, the higher your chance of finding affordable Nashville auto insurance quotes. Consumers may even find the best price on insurance is with a company that doesn’t do a lot of advertising.
Insureds leave their current company for many reasons like questionable increases in premium, delays in paying claims, poor customer service and lack of trust in their agent. It doesn’t matter why you want to switch switching insurance companies can be pretty painless.
Additional information is located on the following sites:
- Hybrid vehicles cost insurers more (Insurance Institute for Highway Safety)
- Who Has the Cheapest Auto Insurance for a Nissan Versa in Nashville? (FAQ)
- Who Has the Cheapest Auto Insurance for a Hyundai Elantra in Nashville? (FAQ)
- Who Has the Cheapest Auto Insurance Rates for Ride Shares in Nashville? (FAQ)
- How Much is Car Insurance for Welfare Recipients in Nashville? (FAQ)
- Who Has Cheap Car Insurance Rates for a Jeep Grand Cherokee in Nashville? (FAQ)
- State Laws for Cellphones and Texting (iihs.org)
- What is Gap Insurance? (Insurance Information Institute)
- All About Airbag Safety (State Farm)