Algood Auto Insurance Rates, Quotes, Agents & Reviews in TN

Algood, TN Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Algood, TN, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

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Factors that can influence the cost of car insurance in Algood, TN are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.

Algood, TN Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Algood, TN with that of other cities in and around Algood.

Algood Monterey Dodson Branch Livingston Baxter Overton County
Average Insurance Rates $1,434 $1,405 $1,417 $1,413 $1,415 $1,420

Algood, TN Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Algood, TN based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location Low Deductible ($500) High Deductible ($1000)
Algood $1,506 $1,272
Cookeville $2,015 $1,702
Putnam County $2,536 $2,142
Dodson Branch $1,400 $1,182
Monterey $2,751 $2,324
Baxter $1,201 $1,014
Overton County $1,484 $1,254
Livingston $2,770 $2,339

Algood, TN Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Algood, TN usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver Insurance Cost
Teens $4,653
20 Years $1,843
30 Years $1,419
40 Years $1,365
50 Years $1,264
60 Years $1,282
70 Years $1,492

Algood, TN Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Algood, TN can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars Auto Insurance Cost Total Savings
2 Vehicles $2,438 $430
3 Vehicles $3,657 $645
4 Vehicles $4,876 $860

Savings on 2 Vehicles bundle:$430

Savings on 3 Vehicles bundle:$645

Savings on 4 Vehicles bundle:$860

Algood, TN Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Algood, TN.

Location Average Insurance Cost Post DUI Insurance Rate
Algood $1,434 $2,569
Cookeville $1,068 $1,913
Putnam County $1,457 $2,610
Dodson Branch $1,417 $2,538
Monterey $1,405 $2,517
Baxter $1,415 $2,535
Overton County $1,420 $2,544
Livingston $1,413 $2,531

Algood, TN Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score Insurance Cost
Exceptional (800-850) $1,230
Excellent (740-799) $1,404
Good (670-739) $1,494
Average (580-669) $1,949
Poor (300-579) $2,339

Algood, TN Auto Insurance Agents | Back to Top

Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.

Agent Name Company Agent Address Contact Details
Elwood Ervin State Farm 108 W Jackson St, Cookeville, 38501-3918 931-526-9693
Kerri Hunt Allstate 253 S Willow Ave, Cookeville, 38501 (931) 528-8063
Suzanne Worrell State Farm 595 E 10th St, Cookeville, 38501-1807 931-526-8795
Matthew Belcher Farmers 1095 S Walnut Ave Ste C, Cookeville, 38501 (931) 854-9600
Swallows Insurance Agency - Cookeville None 480 Neal Street, Ste 100, Cookeville, 38501 None
Independent Agents Alliance Liberty Mutual Independent 1459 INTERSTATE DR STE 201, COOKEVILLE, 38501 (931) 526-9093
Gaffney Insurance Agency & Financial Services Llc Nationwide 136 E Spring St, Cookeville, 38501 (931) 372-8023
First Insurance Group Inc Travelers 215 N CUMBERLAND ST, LEBANON, 37087 615-443-4778
First Insurance Group, Inc. None 215 N Cumberland, Lebanon, 37088 None

Algood, TN Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation Cost Increase Total Insurance Cost
Driving Without Headlights +$63 $1,497
Driver's Failure In Showing Documents +$139 $1,573
Driving With An Expired Registration +$148 $1,582
Driving At A Considerably Slow Pace +$311 $1,745
Using A Cellphone While Driving +$328 $1,762
Running A Red Light +$334 $1,768
Speeding +$351 $1,785
Driving A Vehicle Without The Required Permission +$446 $1,880
Driving With An Expired/Suspended License +$967 $2,401

Algood, TN Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature Insurance Cost
Audible Alarm $1,377
Active Disabling Device $1,377
Tracking Device $1,348
Passive Disabling Device $1,334