Knoxville is the third largest city in Tennessee with a U.S. census estimated population of almost 180,000. It played a pivotal role in the Civil War, and it's an undeniably historic town with a proud Southern traditions. However, many drivers in and around the Knoxville area overpay greatly for car insurance. Usually, this is simply due to lack of effort--by understanding how Knoxville auto insurance quotes are figured and by doing a bit of comparison shopping, drivers can greatly lower their premiums and save thousands of dollars over the course of a car insurance policy's life.
This starts with taking a few steps to reduce your risk in the eyes of insurance companies. Insurers give preferential rates to drivers that are unlikely to make a claim; it's one of the most basic ideas of insurance. By limiting your risks, you'll benefit from lowered premiums. You can do this by taking defensive driving courses, which are available in Knoxville and aren't very difficult or time consuming. While nobody likes to go to an unnecessary class, defensive driving courses greatly lower a driver's chances of making a claim. This is an especially good option for drivers who've recently seen the cost of their Knoxville car insurance policy rise due to a claim or citation.
Some drivers decide to raise their deductibles or lower the amount of coverage that they're buying in order to lower costs. While this is effective, it's not always a good idea. The minimum coverage requirements in Tennessee are 25/50/10, meaning $25,000 in bodily injury liability for a maximum of $50,000 an accident and $10,000 in property damage liability. If you're ever involved in a serious accident, you might find that these minimums are insufficient to cover your costs, particularly the property damage liability. Any driver who lowers his coverage to the state required minimums is taking a risk, although if coverage levels are exceptionally high, lowering them may be acceptable.
To find the lowest Knoxville car insurance quotes for your vehicle, it's important to do your research. Collect quotes from different insurers, and carefully weigh the potential benefits of each policy. Set your coverage limits the same for each quote, and think about ways to decrease the risk factors that can drive up premiums. We offer a free online tool to make this process easier--by entering in your zip code, several quotes can be generated automatically, providing you with an easy way to compare different policies and different Knoxville car insurance companies. With the right approach, it's possible for any driver to find lower premiums, but this starts with some smart comparison shopping.