Drivers with low mileage may pay less for car insurance, but they may have to go beyond standard car insurance policies to find real discounts. Get up to 10% off driving safely after your first renewal. Only the first 250 miles count in a single day. 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.
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. On average, drivers in these professions can get up to 13% off the cost of their car insurance in Tennessee. If you're a Tennessee car insurance policy holder, you're probably like drivers across the country who are always looking for ways to save money on premiums. People who combine their auto and home insurance policies often get the highest discounts from insurers.
SmartMiles is a pay-per-mile car insurance program designed to save low-mileage drivers money, where the premium you pay varies depending on the number of miles you drive, giving you more control over your car insurance costs than a traditional policy. If you haven't had accidents or fines for the past three years, you can get a discount for safe drivers on your car insurance rates in Tennessee. By default, low-mileage car insurance premiums tend to be cheaper than traditional policy premiums, so insurers may not offer as many savings options. A number of car insurance companies offer a discount of around 3% for vehicles with safety devices, including airbags and anti-lock brakes.
If you consider yourself a driver with low mileage and don't expect to use your car for long trips over a period of time, it may be worth asking for quotes for mileage-based car insurance. However, pay-per-mile insurance providers typically offer fewer discounts on auto insurance than standard providers. As seen in the table above, you can get a 3% discount on car insurance rates if you install safety devices in your vehicle. However, for insurance purposes, the definition of a driver with low mileage depends on the specific criteria used by each car insurance company.
The average cost of car insurance is 77% more expensive for Tennessee drivers with bad credit than for those with good credit. You can get minimum coverage and full-coverage car insurance through a low-mileage policy, plus optional endorsements, depending on the airline. Although currently only available in Illinois, Ohio and Tennessee, Lemonade now offers car insurance to drivers with a focus on personalization.