Bedford County Auto Insurance Rates, Quotes, Agents & Reviews in TN

Bedford County, TN Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Bedford County, 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 Bedford County, 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.


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

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

Bedford County Unionville Lynchburg Wartrace Chapel Hill Shelbyville
Average Insurance Rates $1,434 $1,440 $1,469 $1,397 $1,425 $1,415

Bedford County, 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 Bedford County, 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)
Bedford County $1,507 $1,273
Shelbyville $1,947 $1,644
Wartrace $1,359 $1,148
Bell Buckle $1,378 $1,164
Unionville $1,533 $1,295
Normandy $1,291 $1,090
Chapel Hill $1,646 $1,390
Lynchburg $1,113 $940

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

Teenagers in Bedford County, 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

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

Car owners in Bedford County, 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 $2,466 $402
3 Vehicles $3,700 $602
4 Vehicles $4,933 $803

Savings on 2 Vehicles bundle:$402

Savings on 3 Vehicles bundle:$602

Savings on 4 Vehicles bundle:$803


Bedford County, 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 Bedford County, TN.

Location Average Insurance Cost Post DUI Insurance Rate
Bedford County $1,434 $2,569
Shelbyville $1,415 $2,535
Wartrace $1,397 $2,503
Bell Buckle $1,464 $2,623
Unionville $1,440 $2,580
Normandy $1,386 $2,483
Chapel Hill $1,425 $2,553
Lynchburg $1,469 $2,632

Bedford County, 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

Bedford County, 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

Bedford County, 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