Getting an instant auto insurance quote is key because Memphis car insurance can be expensive. This article lists some tips to help you choose which insurance company to get a policy from that offers good coverage at a decent price.
You can find information about Memphis based auto insurance agents, the average rate drivers are paying in the city, the worst areas to drive in and a whole lot more.
Of course if you would rather start saving money right away you can of course use our free quote form at the top of this page to get instant car insurance quotes.
Memphis Car Insurance Agents
Allstate has 26 agents in Memphis itself and another 19 in surrounding communities like Bartlett, Germantown, Southaven, Cordova and Arlington.
Farmers Insurance has 21 agents in Memphis and many more in other surrounding suburbs and towns.
Geico has just 1 Memphis auto insurance agent because it tends to focus its energy on phone and increasingly internet based insurance policies.
Progressive does not have any of its own insurance agencies in the city, but it does have a relationship with 7 other agencies and brokers that are allowed to sell Progressive insurance policies.
State Farm is the leader in Memphis auto insurance agents with 34 locations throughout the city to serve your insurance needs. Better yet, they also have many locations in the area surrounding Memphis to also meet your needs.
Your insurance agency not listed? If you own an insurance agency that operates in Memphis and would like to be included in our listings above please use our contact form. At the current time we do not accept individual agent listings except as part of our paid featured listing option.
Average Memphis Car Insurance Rates
Walking is certainly cheaper than driving in Memphis. According to CarInsurance.com Memphis is an expensive place to drive. For 2011 average annual premiums for the city were $1,560. This is far above the Tennessee state average of $951, or even the national average of $1,414. This is why it is so important to make sure you take the time to get an instant car insurance quote.
Not Walking but Driving in Memphis
A good way to avoid those higher policy prices is to stay accident free. In terms of driving Memphis is better than many other cities its size. According to the Inrix Traffic Scorecard the Memphis Metropolitan area was the 41st largest in the United States yet had only the 60th worst traffic. This means there is less traffic than there should be for a city its size.
The city has none of the 1000 worst traffic corridors in the country and only 5 bottlenecks areas that don’t even rank in the top 2000 nationwide. Still when you are driving in Memphis or Tennessee as a whole it pays to drive safely. In 2010 there were 91 fatal crashes in Shelby county as a whole with 4,396 traffic related injuries. So even while traffic might not be that bad accidents still can and do occur.
Car Insurance Laws in Tennessee
Car insurance in Memphis is government by the laws of the state of Tennessee. They decide on the minimum coverage amounts, the rules of the road and even the type of insurance system that operates in the state. If you have detailed or complex questions about your Tennessee insurance policy you are urged to contact the Tennessee Division of Insurance to ask them. They make the rules, so if in doubt check with them.
However, there still are a few key things to know about Tennessee car insurance laws that apply to Memphis drivers. The first is that the minimum liability insurance coverage is set at 25/50/15. Meaning you’ll need: “$25,000.00 for one injury or death; $50,000.00 for all injuries or deaths; $15,000.00 for property damage for one accident.”
The two other important things to know are the state operates under an at-fault system, known as a tort system. This means whoever causes the accident has to pay (or their insurance company if properly insured). Also the laws governing insurance can be found primarily in the Financial Responsibility Act of 1977.
Finally, insurance is mandatory in Memphis and the whole of the state of Tennessee. No, ifs, ands or buts!
Memphis Auto Insurance Quotes
Getting Memphis auto insurance quotes is the only way to make sure the car insurance company you pick has the lowest rates for you. Just because a friend or neighbor got a good rate with one company does not mean they’ll give you a good rate too. Nevertheless, there are a few things you can do that should lower your insurance rates no matter which company you decide to buy a policy from.
First of all install safety measures on your vehicle. Things like anti-lock brakes and air bags can reduce premiums with some companies. You can always ask if they offer a discount for having these features on your car as they don’t always advertise that they do.
Next, be a careful driver. While this may seem like a no-brainer, a lot of drivers get penalized every year for traffic infractions. These people have higher insurance premiums than others because car insurance companies consider these as high-risk clients.
If you’re a student, your good grades can also put you at an advantage, because insurance companies charge students with decent grades less. Senior drivers may also be able to buy car insurance at a discounted rate. Aside from these known discounts, Memphis car insurance companies also offer other cost cuts for their clients, so don’t be embarrassed about asking about these.
Finally, do make sure that you ask for the car insurance rates of different car insurance companies. That way, you’ll be able to compare and contrast the prices and coverage of these organizations so you can pick which one of these offers the best deal.
An easy way for you to be able to get the car insurance quote of the insurance companies you’re thinking of getting the policy from is through the Internet. You can actually find comparison sites (like ours) that will tell you the price and service differences of Memphis car insurance companies.
Getting Memphis, TN car insurance does not have to burn a hole through your pocket. By following these tips and tricks, you stand to get affordable car insurance so that you’ll be worry-free when you’re on the road. Start now with a free quote.