Comparing Memphis auto insurance quotes online might seem complicated at first if you are like the majority of consumers and have never used online price quotes. Don’t be baffled because finding more affordable rates for Lexus GS 200t insurance in Memphis is easier than you think.
Remarkably, a study showed that nearly 70% of consumers have bought auto insurance from the same company for at least four years, and virtually 40% of consumers have never compared quotes from other companies. Many consumers in the United States can save hundreds of dollars each year by just shopping around, but they don’t invest the time required to shop around.
You need to compare rates on a regular basis because auto insurance prices are constantly changing. Even if you got the best deal on Lexus GS 200t insurance in Memphis on your last policy a different company probably has better rate quotes today. Forget all the misinformation about auto insurance because you’re going to get a crash course in the right way to find lower rates on auto insurance.
How much is Lexus GS 200t insurance in Memphis, TN?
When shopping for affordable Memphis auto insurance quotes, there are a couple of ways of comparing rate quotes from local Memphis auto insurance companies. The best method to comparison shop is to perform an online rate comparison.
When quoting auto insurance, remember that having more price comparisons will enable you to find more affordable rates.
The following companies have been selected to offer free rate quotes in Memphis, TN. If you want cheap auto insurance in Memphis, we suggest you visit as many as you can to get the lowest price.
Special considerations
When it comes to proper insurance coverage, there really is no one-size-fits-all type of policy. Your needs are not the same as everyone else’s so your insurance should reflect that
For instance, these questions can help discover whether or not you would benefit from professional advice.
- Does my insurance cover a custom paint job?
- Do I need rental car coverage?
- Can I rate high risk drivers on liability-only vehicles?
- If my car is totaled with they pay enough to replace it?
- Do I need motorclub coverage?
- Where can I find DUI or SR-22 insurance?
- Does my personal policy cover me when driving out-of-state?
- When do I need to add a new car to my policy?
- What is high-risk coverage and where do I buy it?
If you can’t answer these questions but you think they might apply to your situation then you might want to talk to an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies.
When should I get advice from an insurance agent?
Some people just want to have an agent’s advice and that is just fine! An additional benefit of getting online price quotes is you can get the best rates but also keep your business local. Supporting local insurance agencies is important particularly in Memphis.
After filling out this quick form, the quote information is submitted to agents in your area who will give you quotes for your auto insurance coverage. You won’t need to visit any agencies as quotes are delivered to your email. Get lower rates and work with a local agent. In the event you want to compare prices for a specific company, you just need to jump over to their website and fill out their quote form.
When narrowing the list to find an insurance agent, it’s helpful to know the different types of agents and how they work. Agencies in Memphis are classified as either independent or exclusive.
Independent Auto Insurance Agents
These type of agents do not work for one specific company so they can quote policies through many companies enabling the ability to shop coverage around. To move your coverage to a new company, the agent simply finds a different carrier which requires no work on your part. When comparing rate quotes, it’s a good idea to get insurance quotes from several independent insurance agents to get the most accurate price comparison. A lot of them also have access to smaller companies which may provide better rates.
Below is a partial list of independent insurance agencies in Memphis who may provide pricing information.
- BURFORD INSURANCE AGENCY
3325 KIRBY PKWY STE 102 – Memphis, TN 38115 – (901) 507-6873 – View Map - Clay and Land Insurance, Inc.
866 Ridgeway Loop Rd #200 – Memphis, TN 38120 – (901) 767-3600 – View Map - First Reliable Insurance Agency
5495 Winchester Rd Suite 3 – Memphis, TN 38115 – (901) 362-6052 – View Map
Exclusive Agencies
Agents that choose to be exclusive generally can only insure with one company like State Farm, AAA, and Liberty Mutual. They usually cannot shop your coverage around so if the price isn’t competitive there isn’t much they can do. They receive extensive training on the products they sell which helps offset the inability to provide other markets. Consumers sometimes buy insurance from these agents primarily because of the brand rather than having the cheapest rates.
The following is a short list of exclusive agencies in Memphis that are able to give price quote information.
- Allstate Insurance: Angie Hooten-Hughes
6803 Summer Ave – Memphis, TN 38134 – (901) 373-6060 – View Map - Ron Willis – State Farm Insurance Agent
3486 Poplar Ave #102 – Memphis, TN 38111 – (901) 454-7912 – View Map - Farmers Insurance – April Gainer
4466 Elvis Presley Blvd #247 – Memphis, TN 38116 – (901) 398-7200 – View Map
Finding a good car insurance agent requires more thought than just the price. You should also get answers to these questions.
- Are they giving you every discount you deserve?
- Do the agents have professional certifications like CPCU or CIC?
- Will your rates increase after a single accident?
- Can you choose the body shop in case repairs are needed?
- Do they get extra compensation for selling add-on coverages?
- Do you need full coverage on every vehicle?
If you receive answers to your satisfaction to any questions you have as well as offering an affordable quote, you may have found an auto insurance agent that can be trusted to properly insure your vehicles.
Tennessee car insurance company ratings
Picking a good quality auto insurance company is difficult considering how many companies there are to choose from in Memphis. The ranking information below may help you choose which car insurance companies you want to consider comparing rates from.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| Travelers | 93 | 98 | 99 | 88% | A++ | 95.1 |
| USAA | 83 | 99 | 100 | 91% | A++ | 94.1 |
| Mercury Insurance | 97 | 96 | 88 | 89% | A+ | 93.4 |
| AAA Insurance | 91 | 95 | 92 | 90% | A | 93.3 |
| Nationwide | 85 | 95 | 97 | 89% | A+ | 92.4 |
| Allstate | 77 | 100 | 97 | 88% | A+ | 90.7 |
| State Farm | 80 | 94 | 96 | 88% | A++ | 90.6 |
| The Hartford | 88 | 93 | 91 | 87% | A+ | 90.4 |
| Safeco Insurance | 91 | 95 | 85 | 88% | A | 90.2 |
| Progressive | 88 | 94 | 83 | 88% | A+ | 90.1 |
| American Family | 91 | 86 | 95 | 83% | A | 89.7 |
| Esurance | 86 | 90 | 94 | 90% | A+ | 89.5 |
| The General | 86 | 93 | 89 | 84% | A- | 88.2 |
| GEICO | 79 | 89 | 95 | 87% | A++ | 87.8 |
| Titan Insurance | 86 | 82 | 92 | 86% | A+ | 86.5 |
| 21st Century | 86 | 82 | 90 | 84% | A | 86.4 |
| Liberty Mutual | 79 | 87 | 95 | 78% | A | 85.3 |
| Erie Insurance | 87 | 84 | 85 | 85% | A+ | 85.3 |
| Farmers Insurance | 77 | 80 | 80 | 84% | A | 80.3 |
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Data Source: Insure.com Best Car Insurance Companies