Murfreesboro Auto Insurance
AmeriAgency Has The Lowest Rates For Murfreesboro Auto Insurance
‘Best’ is certainly subjective. Refer to a JD Power rankings page (look for the 2018 U.S. Auto Insurance Study for your region. I missed it the first time). There’s also a subjective difference between high net worth insurers, standard insurers, non-standard insurers and captive insurers and arguments to be made for all of them.
I think my premium is too high
Also subjective. If you don’t know what goes into underwriting risk it’s hard to make judgment on how much something should cost. One could make the argument that everything we buy; from gas, to homes, to meals are all too high’. In general, personal auto insurance is not a moneymaker for insurance companies.
I’m considering ask for quotes with other companies
This you should absolutely do. Bear in mind every insurance company has different rates, different territories, as well as different calculations in terms of how they generate your premium. You should not only look at captive insurers (agents who only sell one company; such as State Farm, Allstate and Farmers), but also an independent broker (who generally, but not always, have more than one insurance company they can represent).
My recommendation? Premium isn’t everything (although important), but find a broker or agent who actually knows what they are doing, and can explain how everything works to you. Peace of mind is worth it. AND, as all the pros in this sub will probably tell you, don’t skimp out on liability limits. Go 100/300/100 as opposed to state limits. Most brokers worth their salt will at least try to get you to buy something higher than state limits (those are the ones who usually advertise the cheapest insurance).