Memphis is one of the most famous cities in the United States, and one of the most populated cities in the South with about 1,280,000 people in its metropolitan area according to the United States census. As the home of Graceland, Memphis, Tennessee is a city with a lot of musical significance; the legendary Stax and Sun recording studios are hot stops for tourists, along with Elvis Presley's home and estate. It's a densely populated city, and quite a few of its residents are drivers.
Of course, this leads to traffic, auto accidents, and car insurance claims which drive up the cost of living in the city. Memphis auto insurance quotes tend to be higher than in more rural areas, due to the amount of claims and crime statistics (Memphis car insurance companies are particularly interested in auto theft, which is one of the most significant and costly claims that a driver can make). Nevertheless, there are certainly ways for drivers to find low Memphis car insurance quotes, and by gathering quotes and decreasing risks, any motorist in the greater Memphis area can keep his or her premiums low without any sacrifice in coverage.
Decreasing risks can take some time, but it's well worth it for the money that drivers can save. By installing an auto-theft system in a vehicle and keeping it in a locked garage at night, Memphis drivers can greatly diminish the chances of auto theft. This fact isn't lost on most car insurance companies, which often offer discounts for drivers that take such actions. As the city's incidence of auto insurance claims is fairly high, drivers can also take defensive driving courses for more discounts. Of course, the best way to keep rates low is to drive less and more carefully, and families can put several car insurance policies together for greatly reduced monthly or in-full premiums. It's also important to understand the state-required minimums for car insurance; Memphis drivers must keep at least $25,000 per person in bodily injury liability, at a $50,000 maximum per incident. $15,000 in personal property damage liability is also legally required.
The best way to decrease the cost of Memphis car insurance is to arm yourself with as many insurance quotes as possible. The more quotes that a driver receives, the better the chances that one of those quotes will offer low premiums and decent coverage. We offer a free cost comparison tool that can help Memphis drivers find great rates by simply entering in their zip codes. It's a great resource for drivers in the area, and can make a big impact on insurance bills. Get started now and we can help you find the best deal.