UPDATED: Mar 13, 2020
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Cheap Car Insurance in Nashville, TN
In the market for cheap auto insurance in Nashville, TN? At AutoInsuranceEZ.com, you will find the lowest priced insurance rates for your area. To find free car insurance rates available from the major providers immediately, enter your postal code in the quote box on this site.
Believe it or not, “Music City” has a lot more going for it than just being the country music capital of the United States. It is also the capital city of its state, home to a number of reputable colleges, and well-known for its thriving financial and healthcare industries. No wonder it’s the second largest city in all of Tennessee.
- Fun fact: Were you aware that there are over 10,000 acres of beautiful parkland in Nashville? Read up on Nashville by clicking here.
Auto Insurance Coverage Requirements in Tennessee
Driving legally in Nashville requires:
|Bodily Injury Liability||25,000/50,000||100,000/300,000|
|Property Damage Liability||15,000||50,000|
|Uninsured Motorist Bodily Injury||Not required||100,000/300,000|
|Medical Payments||Not required||2,000|
|Collision||Not required||500 deductible|
|Comprehensive||Not required||100 deductible|
Keep in mind that these state minimums rarely ever provide sufficient coverage when it comes to your average driver. This is because most motorists are driving relatively younger vehicles, are still making loan payments, or may even be leasing their vehicle. And in most of those cases, you’re going to need a comprehensive policy in order to protect your investment.
There are many unfortunate drivers riding around in Nashville right now with payments as high as $116 per month, which is the reported state average for Tennessee. However, there are deals going on right now in your city which make it possible to get good coverage for as low as $34/mo* – and we can prove it to you if you let us help you compare rates today.
State Farm, Erie, and Nationwide are all on the cheaper side of the automotive insurance spectrum right now, if you happen to be the average driver. However, a poor credit score or several DUIs on your record might make it impossible to get low rates from any company, regardless of who you ask.
Organizations which provide you with Tennessee auto insurance policies consider several factors while establishing insurance rates, especially gender, driving violations, type of vehicle owned, driving distance to work, and multiple cars and drivers. Also remember that premiums may alter from carrier to carrier. To find out if that you’re still receiving the lowest-cost cost, do a comparison of cheap Nashville auto insurance premiums over the internet.
Major Car Insurance Factors in Nashville
Any time your automobile insurance company sits down to create your policy, they take lots of specifics under consideration. Some, just like credit history or your particular region, can be not possible to improve. Some alternative elements are:
Your Zip Code
Where you store your car each night will probably have a major influence on your car insurance rate. Typically, auto insurance is less expensive in outlying areas merely because a lesser number of cars and trucks means a reduced likelihood that you’ll get into an accident with some other car. The populace of Nashville is 634,464 and also the typical family income is $46,803.
Any area with a high rate of accidents, especially deadly ones, is likely to see local insurance companies raise rates for everyone. But for drivers who don’t have any serious accidents or other violations on their record, you might want to ask your insurer about Safe Driver discounts.
Auto Thefts in Nashville
Dwelling in a big city (particularly any with a significant rate of crime) can increase your chance of being a target for auto theft. In cases where your overall location has higher statistics of auto theft claims filed, you can expect to pay much more for car insurance to be able to counterbalance these expenses. The total number of taken vehicles in 2013 was up to 1,197 in Nashville. But this doesn’t mean you should risk skimping on your Comprehensive coverage just to save a buck – it’s still a good idea to have it on your policy.
Your Credit Score
If you’re a driver with poor credit in Nashville, most providers will at least double the cost of your monthly premium compared to other drivers. Some companies may even come close to tripling or quadrupling it.
If you’re trying to find cheap insurance for a student or a teenage driver, you’re going to have a difficult time. Yes, Good Student and Driver’s Ed discounts will help, but at the end of the day they will still have to pay much more expensive rates than adults or seniors.
Your Driving Record
Serious driving violations can send your premiums through the roof, or may even get your coverage dropped completely. But for the lesser violation(s) on your record, you might want to ask about an Accident Forgiveness discount. This lowers your rate by making sure at least one of those minor violations aren’t calculated in the overall cost of your premium.
With car insurance, you’re essentially wasting money and leaving yourself vulnerable to economic hardship if you don’t purchase enough coverage for your vehicle. For older, cheaper vehicles, sometimes the state minimum is enough. But for a luxury vehicle, you’re going to want to purchase multiple types of coverage, and in very high amounts, just in case the worst happens.
Minor Car Insurance Factors in Nashville
Some drivers may be surprised to learn about the following factors’ effect on your insurance bill:
Your Marital Status
Have you and your spouse started bundling your policies together? Well, you should! It’s a great way to reduce your household bills. And single people can bundle too, especially if they have renter’s or motorcycle insurance with the same company.
In truth, there’s really no significant difference between how women and men drive. And because of this, most companies don’t even charge different rates based on gender anymore. Some still do, but the overcharged gender varies from one company to the other.
Your Driving Distance to Work
Gridlock can be intense when commuting around Nashville; average trips of around 16-29 minutes tend to plague the average driver. And since most drivers commute alone in their own truck or car (77%), this can make some pretty big traffic jams! Another 5-18% try to avoid this by carpooling.
Did you know that slashing your annual mileage by 5,000 miles each year will only get you a 4-6% discount on your premium? That means you’ll have to give up driving at least 14 miles each day. Most people are only on the road when they have to be to start with, so 14 miles a day is a pretty big sacrifice for such a small discount.
Your Coverage and Deductibles
Raising your deductible is a great way to lower your monthly premium. But make sure you protect yourself financially by setting aside at least the cost of that deductible into a savings account, and don’t touch it unless it’s an absolute emergency. After all, how devastating would it be if your car was stuck in the shop, and you didn’t have the money to file a claim and get it repaired?
Education in Nashville, TN
Almost one-quarter of the Nashville population owns a high school diploma or another equivalent, while an impressive 19% of residents also have a bachelor’s degree hanging on their wall. If you fit into this group, you also fit into another group according to your auto insurance provider – the group of people who are automatically offered cheaper policies!
Nashville is populated by so many universities that it has been nicknamed “The Athens of the South”. There are scores of different schools to choose from, ranging from the prestigious Nashville School of Law to private universities such as Free Will Baptist Bible College. There are also technical schools like The International Academy of Design and Technology, and large public schools, such as Tennessee State University.
You should not permit an unsatisfactory car insurance agency persuade you into getting a car insurance policy that is not right for you. Yes, the total amount of related information required in order to determine your individual risk profile can be overwhelming, but comparison web pages similar to this might help make your search much easier. Just simply type in a few details below, and we’ll take over from there.
How We Conducted Our Car Insurance Analysis
*We calculated our average rate based on the following metrics: a married, 34 year old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home. Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.