Cheap Dodge Stratus Insurance in Memphis

Insurance for Dodge StratusWe don’t have to point out that fact that auto insurance companies don’t want their policyholders to compare prices. Insureds who get price comparisons will presumably switch to a new company because of the high probability of finding a more affordable policy. A recent survey discovered that consumers who make a habit of shopping around saved about $3,500 over four years compared to drivers who never compared rates.

If finding budget-friendly rates on car insurance is your ultimate objective, then having some knowledge of the best ways to find and compare insurance rates can help you succeed in saving money.

It takes a little time, but the best way to find affordable Dodge Stratus insurance is to start comparing prices yearly from insurers in Memphis.

  1. Gain an understanding of how auto insurance works and the measures you can take to prevent expensive coverage. Many risk factors that result in higher rates such as traffic citations, accidents, and poor credit rating can be amended by improving your driving habits or financial responsibility. This article gives the details to get affordable coverage and get additional discounts that may be available.
  2. Get rate quotes from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can only provide price estimates from a single company like GEICO or Farmers Insurance, while independent agents can provide prices from multiple sources. Click to view companies
  3. Compare the new rate quotes to the price on your current policy to see if a cheaper rate is available. If you find a better price and change companies, verify that coverage does not lapse between policies.

An important part of this process is to try to compare similar limits and deductibles on each quote request and and to look at as many auto insurance providers as possible. This provides a fair price comparison and a complete price analysis.

If you are insured now, you stand a good chance to be able to save money using the techniques presented in this article. Locating the best rates in Memphis is really not that difficult. But Tennessee car owners must learn how companies market on the web and use this information to your advantage.

When shopping for the cheapest Dodge Stratus rate quotes, there are a couple of ways to compare rate quotes from many car insurance companies in Tennessee. By far the easiest way to lower the rate you pay for Dodge Stratus insurance is to jump online and get quotes.

Comparison shopping rate quotes online is easy and it makes it obsolete to call or drive to and from local Memphis insurance agencies. Comparing Dodge Stratus insurance rates online makes this process obsolete unless you’re the type of person who wants the personal advice only provided by licensed Memphis agents. Some companies do allow you to comparison shop online and have a local agent actually service the policy. When quoting car insurance, remember that comparing more quotes gives you a better chance of getting more affordable insurance.

The companies in the list below have been selected to offer free quotes in Tennessee. To get cheaper auto insurance in TN, it’s highly recommended you visit as many as you can to get a more complete price comparison.

Choosing Dodge Stratus insurance is an important decision

Despite the high cost, insurance is a good idea for several reasons.

The benefits of insuring your car definitely exceed the cost, especially if you ever need it. An average driver in America is overpaying more than $825 a year so smart consumers compare quotes once a year at a minimum to ensure rates are inline.

Lower rates by qualifying for discounts

Insurance can be prohibitively expensive, but you might be missing out on some discounts that could help you make your next renewal payment. Some of these discounts will be visible when you purchase, but a few must be asked for before they will apply.Cheaper car insurance with discounts

A quick disclaimer, most discount credits are not given to the overall cost of the policy. Most only apply to specific coverage prices like liability, collision or medical payments. Just because you may think you can get free auto insurance, insurance companies wouldn’t stay in business.

A list of companies and their offered discounts include:

When comparing rates, check with each company or agent how you can save money. Savings may not apply to policies in every state.

Compare rate quotes but buy from a local neighborhood Memphis car insurance agent

Some people just want to sit down with an agent and that is just fine! One of the best bonuses of comparing car insurance online is that you can find the lowest rates and still have a local agent. Buying from local agencies is especially important in Memphis.

Memphis insurance agentsAfter completing this short form, the quote information gets sent to companies in Memphis who will return price quotes for your car insurance coverage. You never need to contact any agents since rate quotes are delivered to you instantly. You can find lower rates and an insurance agent to talk to. In the event you want to compare prices from a specific insurance company, just search and find their rate quote page and complete a quote there.

If you are wanting to purchase car insurance from a reliable insurance agency, you should know the different agency structures and how they can service your needs differently. Car insurance agencies are classified as either independent (non-exclusive) or exclusive.

Independent Car Insurance Agents (or Brokers)

Agents that choose to be independent are not employed by one company and that enables them to quote your coverage amongst many companies and get you the best rates possible. If you are not satisfied with one company, they can switch companies in-house and you stay with the same agent. When comparing rates, you will definitely want to get rate quotes from a couple of independent agencies to have the best price comparison.

Listed below is a list of independent agencies in Memphis who may be able to give you pricing information.

4608 Quince RdMemphis, TN 38117(901) 685-3008View Map

606 S Mendenhall Rd #200Memphis, TN 38117(901) 529-2900View Map

2550 Poplar AveMemphis, TN 38112(901) 458-1630View Map

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Exclusive Car Insurance Agencies

Agents that elect to be exclusive have only one company to place business with and some examples include Allstate, Farmers Insurance, State Farm, and AAA. These agents are unable to provide other company’s prices so they are skilled at selling on more than just price. Exclusive agents are highly trained on what they offer which helps offset the inability to provide other markets.

The following is a short list of exclusive insurance agencies in Memphis who can help you get price quotes.

7249 Winchester RdMemphis, TN 38125(901) 572-1985View Map

248 Cooper StMemphis, TN 38104(901) 276-1044View Map

680 W Brookhaven CirMemphis, TN 38117(901) 767-7744View Map

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Choosing an insurance agency should depend on more than just a cheap price quote. Here are some questions you should ask.

Tailor your car insurance coverage to you

When it comes to choosing coverage online or from an agent, there really isn’t a single plan that fits everyone. Everyone’s situation is a little different and your policy should reflect that.Safe vehicles cost less to insure
For example, these questions might point out whether you could use an agent’s help.

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area.

What is the best car insurance company in Memphis?

Choosing the right insurance provider can be challenging considering how many companies there are to choose from in Tennessee. The ranking information displayed below could help you select which companies to look at purchasing from.

Top 10 Memphis Car Insurance Companies Ranked by Customer Satisfaction

  1. USAA – 91%
  2. AAA Insurance – 90%
  3. Esurance – 90%
  4. Mercury Insurance – 89%
  5. Nationwide – 89%
  6. Travelers – 88%
  7. Progressive – 88%
  8. Safeco Insurance – 88%
  9. State Farm – 88%
  10. Allstate – 88%

Top 10 Memphis Car Insurance Companies Ranked by Customer Service

  1. USAA
  2. Travelers
  3. Mercury Insurance
  4. AAA Insurance
  5. Nationwide
  6. Safeco Insurance
  7. Progressive
  8. State Farm
  9. The Hartford
  10. The General

Cover all your bases

Cheap Dodge Stratus insurance in Memphis is possible from both online companies as well as from independent agents in Memphis, and you need to comparison shop both in order to have the best price selection to choose from. Some companies may not offer internet price quotes and most of the time these regional carriers sell through independent agencies.

You just read a lot of techniques to find lower-cost Dodge Stratus insurance in Memphis. The key concept to understand is the more quotes you get, the more likely it is that you will get a better rate. Consumers could even find that the most savings is with a smaller regional carrier. Some small companies can often provide lower car insurance rates in certain areas as compared to the big name companies such as Allstate or State Farm.

While you’re price shopping online, you should never reduce coverage to reduce premium. In many cases, an insured dropped physical damage coverage only to regret that it was a big mistake. Your aim should be to buy the best coverage you can find at the best cost and still be able to protect your assets.

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