How to Get Cheap Auto Insurance in Knoxville, TN

 

Understanding Auto Insurance Requirements in Knoxville, TN

In Knoxville, auto insurance is mandatory for all drivers. To stay legal on the road, you'll need to carry at least the minimum required coverage.

Liability insurance covers damages to other people and their property. In Tennessee, you need:

• $25,000 bodily injury liability per person

• $50,000 bodily injury liability per accident

• $15,000 property damage liability

This basic coverage may not be enough though. Consider getting more than the bare minimum. Full coverage - which includes comprehensive and collision in addition to liability will protect you in case of an at-large accident.

You have options when it comes to providers in Knoxville. Shop around at different insurance companies to compare quotes and find an affordable policy that meets your needs.

Check independent agents and captive agents, who represent a single carrier. See if you qualify for price breaks, such as:

• Safe driver: For those with a clean driving record

• Student: For those under 25 with good grades

• Homeowner: If you own a home

In the end, find a reputable company, understand what's covered, and pay your premiums on time. Driving without insurance in Knoxville can lead to legal trouble and fines.

READ ALSO: How Much Auto Insurance Coverage Does Dave Ramsey Recommend?

Top 5 Tips for Finding Cheap Car Insurance Rates in Knoxville

To find the most affordable auto insurance in Knoxville, here are some of the top tips to keep in mind:

1. Shop Around at Multiple Companies

Don't just go with the first insurance company you find. Compare quotes from different insurers to make sure you're getting the best deal.

Some of the major companies in Knoxville include State Farm, Progressive, Geico, Liberty Mutual and Allstate.

2. Ask About Discounts

Inquire about any discounts the insurance companies offer that you may qualify for. Common discounts include bundling with homeowners or renters insurance, safe driver, good student, anti-theft device, and pay-in-full. These discounts can help lower your premium by up to 30% or more.

3. Increase Your Deductibles

If you increase your deductibles, the amount you pay out of pocket before insurance kicks in, you can lower your monthly premiums. Go for deductibles of at least $500 to $1,000 to see good savings.

4. Maintain a Good Credit Score

In Tennessee, insurance companies can consider your credit score when determining your premiums. A good score can mean a lower rate, while a poor score may increase your rates.

Check your credit report and score to make sure there are no errors. Work to improve your score over time through paying bills on time and paying down debt.

5. Drive Safely

Your driving record also impacts how much you pay for car insurance. Obey traffic laws and avoid accidents and tickets to maintain a clean record.

READ ALSO: Understanding Auto Insurance Coverage

Comparing Car Insurance Quotes From Top Providers in Knoxville, TN

Here are some of the top auto insurance companies in Knoxville and tips for getting the best rates:

1. State Farm

State Farm is one of the largest auto insurers in the U.S. and Tennessee. They offer competitive rates, especially for those with a safe driving record.

You may be able to get a discount by bundling your auto policy with other insurance like home or life.

2. Geico

Geico typically offers some of the lowest rates for auto insurance in Knoxville. They provide basic coverage as well as comprehensive plans.

Geico rewards safe drivers and long-time customers with good discounts and loyalty rewards.

3. Progressive

Progressive is another major insurance company in Knoxville that provides affordable and comprehensive auto insurance coverage.

They offer many discounts for bundling policies, insuring multiple vehicles, safe driving, and more.

4. Allstate

Allstate is a trusted insurance provider with affordable auto insurance plans for Knoxville drivers. They offer standard discounts and rewards for safe drivers. Allstate has been serving Tennessee for over 50 years and has strong financial backing.

Conclusion

The best way to compare quotes is to get individual quotes from each company's website. Provide the same information for each quote to get an accurate comparison. Look at the total annual premiums, coverage details, and discounts offered.