Locating the cheapest insurance for a new or used Kia Soul EV in Tennessee can normally be a painful process, but you can learn a few tricks to save time. There are more efficient ways to shop for car insurance so you’re going to learn the quickest way to price shop coverage for a new or used Kia and locate the cheapest rates from both online companies and Memphis agents.
It’s a great practice to compare premium rates quite often since insurance prices are usually higher with each renewal. Even if you got the best rate on Kia Soul EV insurance in Memphis a couple years back the chances are good that you can find a lower premium rate today. Forget anything you know (or think you know) about car insurance because it’s time to teach you the tricks you need to know to save on car insurance.
Reducing your insurance rates is actually quite simple. Just take a few minutes to compare rates to see which company has inexpensive Memphis auto insurance quotes.
The companies shown below are ready to provide comparison quotes in Tennessee. If you want to find the cheapest car insurance in Tennessee, we recommend you visit two to three different companies in order to get a fair rate comparison.
You may need help from an insurance agent
Some consumers still like to get advice from a local agent and often times that is recommended Agents can point out coverage gaps and help file insurance claims. One of the benefits of comparing insurance online is you may find lower car insurance rates but still work with a licensed agent.
For easy comparison, once you complete this form (opens in new window), your information is sent to participating agents in Memphis who will give competitive quotes for your insurance coverage. It simplifies rate comparisons since you won’t have to leave your computer since rate quotes are delivered immediately to you. If you wish to get a price quote from a specific company, don’t hesitate to search and find their rate quote page and fill out their quote form.
Picking the best insurer is decision based upon more than just the premium amount. These questions are important to ask:
- What company do they have the most business with?
- Is there a local claims center in Memphis?
- Are there any discounts for paying up front?
- How many companies do they write for?
- When do they do policy reviews?
If you want to buy insurance from a local insurance agency, it’s helpful to know the different types of agents and how they are slightly different. Memphis agents are categorized either independent or exclusive depending on the company they work for. Either one can write policy coverage, but it’s important to point out the subtle differences because it can impact your selection of an agent.
Exclusive Insurance Agencies
Agents that choose to be exclusive can only quote rates from one company like State Farm, Allstate, or Farmers Insurance. They usually cannot compare other company’s rates so you might not find the best rates. Exclusive agencies receive a lot of sales training on sales techniques which helps offset the inability to provide other markets. Some consumers prefer to buy from the same agent for years partially due to the prominence of the brand instead of buying on price only.
Shown below is a short list of exclusive agents in Memphis who may provide you with price quote information.
- GEICO Insurance Agent
420 S Germantown Pkwy #109 – Cordova, TN 38018 – (901) 761-5240 – View Map - Henry Hooper II – State Farm Insurance Agent
348 S Main St – Memphis, TN 38103 – (901) 575-0001 – View Map - Kacky Kortenber – State Farm Insurance Agent
7900 Winchester Rd Ste 101 – Memphis, TN 38125 – (901) 757-0303 – View Map
Independent Agencies or Brokers
Agents that elect to be independent do not sell for just one brand so they have the ability to put coverage with an assortment of companies and help determine which has the cheapest rates. If they find a cheaper price, they simply move the coverage in-house which is easy for the insured. When comparison shopping, we recommend you get quotes from several independent insurance agents to have the best price comparison. Most also write with smaller companies which can save you money.
Listed below is a short list of independent insurance agents in Memphis who can help you get price quote information.
- Fred L. Davis Insurance Agency – Car Insurance Agency
1374 Airways Blvd – Memphis, TN 38114 – (901) 323-6159 – View Map - Peterson Insurance Services, Inc.
8046 N Brother Blvd #101 – Memphis, TN 38133 – (901) 386-4777 – View Map - Clay and Land Insurance, Inc.
866 Ridgeway Loop Rd #200 – Memphis, TN 38120 – (901) 767-3600 – View Map
After getting good feedback to these questions as well as a price you’re happy with, you may have just found a car insurance agent that can adequately provide insurance. Just remember you can cancel your policy whenever you want so never assume you are locked into any specific agency for any length of time.