As seen in the table above, you can get a 3% discount on car insurance rates if you install safety devices in your vehicle. People who combine their auto and home insurance policies often get the highest discounts from insurers. Most Tennessee auto insurance companies offer discounts to those who take an approved driver education course or a defensive driving course and to those who demonstrate that they have a history of safe driving. Tennessee drivers who are veterans or who belong to a military family can get affordable car insurance from the USAA.
A number of car insurance companies offer a discount of around 3% for vehicles with safety devices, including airbags and anti-lock brakes. In Tennessee, the state minimum car insurance includes bodily injury liability coverage, which pays for the other driver's injuries, and property damage liability coverage, which pays for the other driver's repairs. While actual savings will vary depending on the insurance company, the driver's profile and other factors, you may qualify for several discounts that will significantly reduce your car insurance premiums. That's why most drivers should ask for full coverage car insurance quotes instead of a minimum coverage policy, especially if they have a long trip or a newer car.
It should also be noted that if you have an anti-theft device or a vehicle recovery system connected to your car, you can get a discount on your car insurance. On average, drivers in these professions can get up to 13% off the cost of their car insurance in Tennessee. State Farm is the most affordable auto insurance option for Tennessee drivers with a speeding ticket, at-fault accident, or DUI on their driving record. The average cost of car insurance is 77% more expensive for Tennessee drivers with bad credit than for those with good credit.
Tennessee drivers with an at-fault accident on their record can find affordable auto insurance at State Farm. Married drivers typically pay cheaper rates for car insurance than single drivers because they are statistically less likely to have car accidents. Having poor credit can result in higher car insurance costs because insurance companies say that drivers with lower credit scores are statistically more likely to file a claim. Tennessee insurance companies offer a loyalty discount of up to 11% to their repeat customers after a certain period of time, and some companies may increase the discount the longer you remain an active customer.