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

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

Zimlon, through its research, found that car owners in Coalfield, 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 Coalfield, 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.


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

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

Coalfield Oakdale Harriman Wartburg Kingston Petros
Average Insurance Rates $1,418 $1,383 $1,392 $1,395 $1,453 $1,385

Coalfield, 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 Coalfield, 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)
Coalfield $1,461 $1,234
Petros $2,708 $2,287
Oliver Springs $1,245 $1,052
Oakdale $1,539 $1,300
Harriman $1,384 $1,169
Oak Ridge $2,196 $1,855
Wartburg $1,309 $1,106
Kingston $1,117 $943

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

Teenagers in Coalfield, 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 $4,601
20 Years $1,822
30 Years $1,403
40 Years $1,350
50 Years $1,250
60 Years $1,268
70 Years $1,476

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

Car owners in Coalfield, 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 $2,496 $340
3 Vehicles $3,744 $510
4 Vehicles $4,991 $681

Savings on 2 Vehicles bundle:$340

Savings on 3 Vehicles bundle:$510

Savings on 4 Vehicles bundle:$681


Coalfield, 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 Coalfield, TN.

Location Average Insurance Cost Post DUI Insurance Rate
Coalfield $1,418 $2,540
Petros $1,385 $2,481
Oliver Springs $1,414 $2,533
Oakdale $1,383 $2,478
Harriman $1,392 $2,494
Oak Ridge $1,453 $2,603
Wartburg $1,395 $2,499
Kingston $1,453 $2,603

Coalfield, 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) $1,217
Excellent (740-799) $1,389
Good (670-739) $1,478
Average (580-669) $1,928
Poor (300-579) $2,313

Coalfield, 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
Scotty Dykes State Farm 114 N Roane St, Harriman, 37748-2017 865-882-2181
Sage Kohler State Farm 10736 Hardin Valley Road, Knoxville, 37932 865-240-3221
Insure Pros Inc Travelers 10413 HICKORY PATH WAY, KNOXVILLE, 37922 865-690-5588
Traughber Insurance & Financial Services Inc. Erie 420 Ruritan Road, Harriman, 37748 None
Gray Insurance Agency Inc Nationwide 110 S Illinois Ave, Oak Ridge, 37830-6201 (865) 482-2222
Wallie Culbreth Iii State Farm 108 S Illinois Ave, Oak Ridge, 37830-6201 865-482-1095

Coalfield, 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 $1,480
Driver's Failure In Showing Documents +$138 $1,556
Driving With An Expired Registration +$146 $1,564
Driving At A Considerably Slow Pace +$308 $1,726
Using A Cellphone While Driving +$325 $1,743
Running A Red Light +$330 $1,748
Speeding +$347 $1,765
Driving A Vehicle Without The Required Permission +$441 $1,859
Driving With An Expired/Suspended License +$956 $2,374

Coalfield, 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 $1,361
Active Disabling Device $1,361
Tracking Device $1,333
Passive Disabling Device $1,319