Cheap Auto Insurance In TN

Sep 18, 2018 (0) comment

Cheap Auto Insurance In TN

Cheap Auto Insurance In TN

AmeriAgency is the leader for cheap auto insurance in TN.

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Even If You’re Happy, It’s Best to Shop for a New Policy Every Couple of Years

Few people know it, but your shopping habits also impact your insurance rates. It’s a process called price optimization and it’s caused quite a controversy in the last few years. Essentially, the company looks at your online shopping habits and other factors and decides if you’re likely to leave them for a different insurer. If that risk is high, they’ll offer you a competitive price, but if it’s low, you may end up paying a higher rate because the company believes you’ll pay it without question.

Shopping around for new coverage every year or two helps you avoid being labeled as complacent by the insurer’s algorithms. This way, you’ll get quotes that accurately reflect your risk as a driver. That risk changes over time, so you may find in a year or two that your rates are much cheaper than they are today.

Fifteen states have banned insurers from using price optimization when calculating rates, but Tennessee is not one of them. So for the time being, it’s up to you to make sure you’re not paying a higher rate than necessary.

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If You Skip Coverage, It’ll Cost You

Tennessee used to be one of the most lenient states about driving uninsured — and as a result, one in five drivers flouted the mandatory insurance laws. But a couple of years ago, new laws were enacted to crack down on uninsured driving. You can now expect a minimum of a $300 fine and your vehicle may be towed at the discretion of the local police department. Repeat offenders will see even higher fines and suspension of their vehicle registration with a $300 reinstatement fee.

GET A QUICK, PERSONALIZED CHEAP AUTO INSURANCE IN TN QUOTE FROM AMERIAGENCY INSURANCE

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