Bluff City Auto Insurance Rates, Quotes, Agents & Reviews in TN

Bluff City, TN Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Bluff City, 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 Bluff City, 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.


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

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

Bluff City Elizabethton Sullivan County Watauga Bristol Walnut Hill
Average Insurance Rates $1,414 $1,428 $1,435 $1,401 $1,421 $1,437

Bluff City, 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 Bluff City, 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)
Bluff City $1,174 $992
Sullivan County $986 $833
Blountville $2,812 $2,375
Watauga $1,445 $1,221
Walnut Hill $2,820 $2,382
Bristol $994 $840
Hunter $1,607 $1,357
Elizabethton $2,163 $1,827

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

Teenagers in Bluff City, 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 $4,588
20 Years $1,817
30 Years $1,399
40 Years $1,346
50 Years $1,247
60 Years $1,264
70 Years $1,472

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

Car owners in Bluff City, 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 $2,460 $368
3 Vehicles $3,691 $551
4 Vehicles $4,921 $735

Savings on 2 Vehicles bundle:$368

Savings on 3 Vehicles bundle:$551

Savings on 4 Vehicles bundle:$735


Bluff City, 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 Bluff City, TN.

Location Average Insurance Cost Post DUI Insurance Rate
Bluff City $1,414 $2,533
Sullivan County $1,435 $2,571
Blountville $1,433 $2,567
Watauga $1,401 $2,510
Walnut Hill $1,437 $2,574
Bristol $1,421 $2,546
Hunter $1,431 $2,564
Elizabethton $1,428 $2,558

Bluff City, 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) $1,213
Excellent (740-799) $1,385
Good (670-739) $1,473
Average (580-669) $1,922
Poor (300-579) $2,306

Bluff City, 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
Sheila Wandell State Farm 2313 Browns Mill Rd, Johnson City, 37604-1961 423-722-AUTO
Kristy Baggarly State Farm 2332 Volunteer Pkwy, Bristol, 37620-6702 423-968-9221
Kristy Baggarly State Farm 2332 Volunteer Pkwy, Bristol, 37620-6702 423-968-9221
Heritage Insurance Group Inc Liberty Mutual Independent 532 PRINCETON RD, JOHNSON CITY, 37601 (423) 283-9811
Beatrice Montgomery Farmers 527 E ELK AVE STE 2, Elizabethton, 37643 (423) 547-0811
William George Yates Nationwide 1970 W Elk Ave Ste A 1, Elizabethton, 37643-3781 (423) 542-6122
Wayne Humphrey State Farm 939 Volunteer Pkwy, Bristol, 37620-4262 423-968-1322
The Summit Companies None 1241 Volunteer Pkwy, Ste 100, Bristol, 37620 (866) 435-0268

Bluff City, 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 +$62 $1,476
Driver's Failure In Showing Documents +$137 $1,551
Driving With An Expired Registration +$146 $1,560
Driving At A Considerably Slow Pace +$307 $1,721
Using A Cellphone While Driving +$324 $1,738
Running A Red Light +$329 $1,743
Speeding +$346 $1,760
Driving A Vehicle Without The Required Permission +$440 $1,854
Driving With An Expired/Suspended License +$953 $2,367

Bluff City, 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 $1,357
Active Disabling Device $1,357
Tracking Device $1,329
Passive Disabling Device $1,315