How long has it been since you compared the cheapest Mercury Sable insurance in Memphis? Trying to find low cost Mercury Sable insurance in Memphis can seem to be very difficult for people who have little experience quoting coverage prices online. Drivers have so many options that it can be a difficult challenge to compare premium rates on Mercury Sable insurance.
Unfortunately, a large majority of insurance policyholders have purchased from the same company for more than four years, and almost half have never quoted rates to find cheaper coverage. With the average insurance premium being $1,400, Tennessee drivers could save up to $500 each year by just comparing quotes, but they don't believe the actual amount they would save if they just switched companies.
Buying the cheapest car insurance in Memphis can be made easier if you know where to look. In essence, every driver who shops for car insurance should be able to lower their premiums. But Tennessee drivers need to learn the way companies calculate your policy premium because it varies considerably.
Cheap Mercury insurance rates in Memphis
The auto insurance companies shown below have been selected to offer free rate quotes in Memphis, TN. If multiple companies are listed, it's highly recommended you get rates from several of them to get the most affordable price.
Get cheaper Mercury Sable insurance rates in Memphis
Car insurance is not cheap nor is it fun to buy but there could be available discounts that can dramatically reduce your bill. Some discounts will apply at the time you complete a quote, but a few must be inquired about prior to getting the savings. If you're not getting every credit available, you're just leaving money on the table.
- Data Collection Discounts - Insureds who allow their car insurance company to study driving habits remotely like In-Drive from State Farm and Progressive's Snapshot might get better premium rates as long as the data is positive.
- Drivers Ed for Students - Require your teen driver to enroll and complete driver's education in school or through a local driver safety program.
- Theft Deterrent System - Anti-theft and alarm system equipped vehicles are stolen with less frequency and therefore earn up to a 10% discount.
- Air Bags and Passive Restraints - Cars that have air bags and/or automatic seat belt systems can qualify for discounts of more than 20%.
- Save over 55 - Older drivers can get a discount up to 10%.
- Membership in Organizations - Belonging to qualifying clubs or civic groups is a good way to get lower rates on your policy.
- Payment Discounts - If you can afford to pay the entire bill instead of paying each month you may have a lower total premium amount.
Discounts lower rates, but some of the credits will not apply to the overall cost of the policy. Some only reduce individual premiums such as collision or personal injury protection. Even though it appears all those discounts means the company will pay you, you're out of luck.
Auto insurance companies that may offer most of the discounts above include:
If you need affordable Memphis auto insurance quotes, ask every insurance company to give you their best rates. All car insurance discounts might not apply everywhere. If you would like to view providers that can offer you the previously mentioned discounts in Memphis, follow this link.
Reduce Insurance Rates with These Tips
Many things are part of the calculation when you get a price on insurance. Some factors are common sense like your driving record, but some are not quite as obvious such as whether you are married and annual miles driven.
Impacts performance impacts auto insurance premiums - The performance level of the car you are buying insurance for makes a substantial difference in determining your rates. Lower performance four cylinder passenger models usually have the lowest rates, but many other things help determine your insurance rates.
Safeguard your assets with liability protection - Your auto insurance policy's liability coverage provides coverage if you are ruled to be at fault for personal injury or accident damage. This coverage provides for a legal defense up to the limits shown on your policy. This coverage is relatively inexpensive when compared to the cost of physical damage coverage, so do not cut corners here.
Your address can affect prices - Choosing to live in smaller towns and rural areas of the country is a good thing when talking about auto insurance. Fewer drivers on the road translates into fewer accident claims and lower theft and vandalism rates. Drivers who live in large Tennessee cities regularly have more traffic problems and more time behind the wheel. More time on the road means more chance of being in an accident.
Gender impacts costs - Over time, data shows females are less aggressive when driving. That doesn't necessarily mean that women are better drivers. Men and women have fender benders at a similar rate, but guys cause more damage and cost insurance companies more money. Men also statistically get more serious tickets such as reckless driving.
Better rates with anti-theft devices - Driving a car with an alarm system can help lower your premiums. Theft prevention devices such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all help stop auto theft and help lower rates.
Auto insurance is available from local agents
Many drivers still prefer to go talk to an agent and that is not a bad decision The biggest benefit of comparing auto insurance online is that you can find cheap auto insurance rates but still work with a licensed agent.
To make it easy to find an agent, after completing this form (opens in new window), the coverage information is emailed to companies in Memphis that can give you free Memphis auto insurance quotes and help you find cheaper coverage. You won't even need to leave your computer because prices are sent to you instantly. Get lower rates without a big time investment. If you want to get a price quote from a particular provider, don't hesitate to search and find their rate quote page to submit a rate quote request.
Picking an provider should include more criteria than just the price. Get answers to these questions too.
- Who are their largest clients?
- Are they paid to recommend certain coverages?
- Are all drivers listed on the coverage quote?
- Is insurance their full-time profession?
- Is there a local claims center in Memphis?
- Is vehicle mileage a factor when determining depreciation for repairs?
The difference between Memphis auto insurance agents
If you want to use a local agent, it's important to understand the types of insurance agents and how they can service your needs differently. Agents may be either independent or exclusive depending on the company they work for.
Exclusive Auto Insurance Agencies
These type of agents have only one company to place business with and some examples include Allstate, State Farm and Farmers Insurance. Exclusive agents cannot compare other company's rates so you need to shop around if the rates are high. Exclusive agents are very knowledgeable on the products they sell which helps them sell insurance even at higher premiums. Consumers frequently buy insurance from these agents primarily because of the brand rather than low price.
Listed below are exclusive agents in Memphis that can give you price quotes.
- Henry Hooper II - State Farm Insurance Agent
348 S Main St - Memphis, TN 38103 - (901) 575-0001 - View Map
- Farmers Insurance: Calvit Ratcliffe
5865 Ridgeway Center Pkwy #300 - Memphis, TN 38120 - (901) 761-6083 - View Map
- Kathy Thurmond-Edwards- State Farm Insurance Agent
680 W Brookhaven Cir - Memphis, TN 38117 - (901) 767-7744 - View Map
Independent Auto Insurance Agents
These agents are not locked into one company so they can write business with multiple insurance companies enabling the ability to shop coverage around. If your agent finds better pricing, an independent agent can move your coverage and you stay with the same agent.
When comparison shopping, it's a good idea to include independent agents so that you have a good selection of quotes to compare. Many independent agencies also insure through smaller regional carriers which may provide better rates.
Listed below is a list of independent insurance agencies in Memphis that are able to give price quotes.
- Lipscomb and Pitts Insurance LLC
2670 Union Ave - Memphis, TN 38112 - (901) 321-1000 - View Map
- Kellett Insurance Agency
4608 Quince Rd - Memphis, TN 38117 - (901) 685-3008 - View Map
- Collier Insurance
606 S Mendenhall Rd #200 - Memphis, TN 38117 - (901) 529-2900 - View Map
Upon receiving positive feedback to your questions and an acceptable price quote, it's possible that you found a car insurance agent that is professional and can provide auto insurance coverage. But keep in mind you are entitled to cancel your coverage any time you want so don't feel that you are permanently stuck with a specific agent for the full term.
Compare. Compare. Compare.
As you restructure your insurance plan, do not skimp on critical coverages to save a buck or two. In many cases, consumers will sacrifice liability limits or collision coverage only to regret at claim time that they should have had better coverage. The goal is to purchase a proper amount of coverage for the lowest cost, not the least amount of coverage.
Some companies may not offer the ability to get a quote online and these regional insurance providers provide coverage only through independent agencies. Lower-priced Mercury Sable insurance in Memphis can be sourced on the web and with local Memphis insurance agents, and you need to comparison shop both to have the best rate selection.
We covered a lot of ways to find cheaper Mercury Sable insurance in Memphis. The key concept to understand is the more price quotes you have, the better chance you'll have of finding cheaper Memphis auto insurance quotes. You may even be surprised to find that the lowest priced insurance comes from a company that doesn't do a lot of advertising.
How to find the cheapest rates for Mercury Sable insurance in Memphis
It takes a few minutes, but the best way to find low-cost auto insurance rates in Memphis is to start doing a yearly price comparison from different companies in Tennessee. Prices can be compared by following these steps.
Step 1: Get a basic knowledge of how car insurance works and the measures you can control to prevent expensive coverage. Many rating criteria that are responsible for high rates like getting speeding tickets and a poor credit score can be remedied by paying attention to minor details.
Step 2: Obtain price quotes from direct, independent, and exclusive agents. Direct companies and exclusive agencies can provide rates from one company like Progressive or State Farm, while agents who are independent can provide rate quotes from multiple insurance companies.
Step 3: Compare the quotes to your existing coverage and determine if there is any savings. If you find better rates and make a switch, make sure there is no coverage gap between policies.
Step 4: Notify your company or agent to cancel your current policy. Submit the required down payment along with the signed application to the newly selected company. Be sure to keep the new proof of insurance certificate with your registration paperwork.
A crucial key to this process is to try to compare identical coverage information on every quote and and to get prices from as many different insurance providers as possible. Doing this helps ensure an apples-to-apples comparison and a better comparison of the market.
Much more information about insurance in Tennessee can be found on the following sites:
- What is Covered by an Auto Insurance Policy? (Insurance Information Institute)
- What Car Insurance is Cheapest for Police Officers in Memphis? (FAQ)
- Who Has the Cheapest Memphis Car Insurance for a Nissan Sentra? (FAQ)
- How Much are Auto Insurance Quotes for a Honda Accord in Memphis? (FAQ)
- How Much is Memphis Car Insurance for Hybrid Vehicles? (FAQ)
- Understanding Your Insurance Deductible (Insurance Information Institute)
- Automakers compete to add autobraking (Insurance Institute for Highway Safety)
- New Honda safety features benefit drivers of all ages (Insurance Institute for Highway Safety)
- How Much Auto Coverage do I Need? (Insurance Information Institute)