Beersheba Springs Auto Insurance Rates, Quotes, Agents & Reviews in TN

Beersheba Springs, TN Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Beersheba Springs, 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 Beersheba Springs, 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.


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

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

Beersheba Springs Altamont Viola Grundy County Palmer Pelham
Average Insurance Rates $1,376 $1,376 $1,398 $1,389 $1,371 $1,473

Beersheba Springs, 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 Beersheba Springs, 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)
Beersheba Springs $1,105 $934
Altamont $1,893 $1,599
Grundy County $1,407 $1,188
Gruetli-Laager $1,577 $1,332
Coalmont $2,118 $1,789
Palmer $1,499 $1,266
Viola $2,027 $1,712
Pelham $1,329 $1,122

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

Teenagers in Beersheba Springs, 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 $4,465
20 Years $1,768
30 Years $1,362
40 Years $1,310
50 Years $1,213
60 Years $1,230
70 Years $1,432

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

Car owners in Beersheba Springs, 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 $2,367 $385
3 Vehicles $3,550 $578
4 Vehicles $4,733 $771

Savings on 2 Vehicles bundle:$385

Savings on 3 Vehicles bundle:$578

Savings on 4 Vehicles bundle:$771


Beersheba Springs, 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 Beersheba Springs, TN.

Location Average Insurance Cost Post DUI Insurance Rate
Beersheba Springs $1,376 $2,465
Altamont $1,376 $2,465
Grundy County $1,389 $2,488
Gruetli-Laager $1,386 $2,483
Coalmont $1,393 $2,495
Palmer $1,371 $2,456
Viola $1,398 $2,504
Pelham $1,473 $2,639

Beersheba Springs, 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) $1,181
Excellent (740-799) $1,348
Good (670-739) $1,434
Average (580-669) $1,871
Poor (300-579) $2,244

Beersheba Springs, 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
Neil Helton State Farm 807 N Chancery St, McMinnville, 37110-1604 931-473-1539
Bill Zechman State Farm 219 N Chancery St Ste 1, McMinnville, 37110-2590 931-473-6523
Douglas & Associates Insurance & Investment Erie 200 Hobson St Ste 40-2, McMinnville, 37110 None
Johnny Murray Allstate 1502 Smithville Hwy, McMinnville, 37110 (931) 473-2626
My Team Insurance Services Llc Travelers 1507 MEMORIAL BLVD, MURFREESBORO, 37129 615-895-4201
Gabriel Frazier Farmers 231 Barfield Crescent Rd Ste C3, Murfreesboro, 37128 (615) 600-4788
Rss Insurance Liberty Mutual Independent 6236 AIRPARK DR, CHATTANOOGA, 37421 (423) 954-9100
Edward Hensley Allstate 4121 Hixson Pike, Chattanooga, 37415 (423) 805-9880
Southern Insurance Group Inc. None 419 N. Chancery Street, McMinnville, 37110 None
Newport Insurance Agency Erie 1511 Memorial Blvd, Murfreesboro, 37129 None
Douglas Baird Morgan Nationwide 1806 Memorial Blvd STE B, Murfreesboro, 37129-1507 (615) 867-0440
Claiborne & Taylor Insurance Liberty Mutual Independent 319 W MCKNIGHT DR, MURFREESBORO, 37129 (615) 893-5064

Beersheba Springs, 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 +$61 $1,437
Driver's Failure In Showing Documents +$133 $1,509
Driving With An Expired Registration +$142 $1,518
Driving At A Considerably Slow Pace +$299 $1,675
Using A Cellphone While Driving +$315 $1,691
Running A Red Light +$321 $1,697
Speeding +$337 $1,713
Driving A Vehicle Without The Required Permission +$428 $1,804
Driving With An Expired/Suspended License +$927 $2,303

Beersheba Springs, 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 $1,321
Active Disabling Device $1,321
Tracking Device $1,293
Passive Disabling Device $1,280