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

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

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

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

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

Coalmont Grundy County Tracy City Gruetli-Laager Pelham Beersheba Springs
Average Insurance Rates $1,393 $1,389 $1,403 $1,386 $1,473 $1,376

Coalmont, 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 Coalmont, 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)
Coalmont $2,118 $1,789
Grundy County $1,407 $1,188
Gruetli-Laager $1,577 $1,332
Tracy City $2,068 $1,747
Altamont $1,893 $1,599
Beersheba Springs $1,105 $934
Palmer $1,499 $1,266
Pelham $1,329 $1,122

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

Teenagers in Coalmont, 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 $4,520
20 Years $1,790
30 Years $1,379
40 Years $1,326
50 Years $1,228
60 Years $1,245
70 Years $1,450

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

Car owners in Coalmont, 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 $2,368 $418
3 Vehicles $3,552 $627
4 Vehicles $4,736 $836

Savings on 2 Vehicles bundle:$418

Savings on 3 Vehicles bundle:$627

Savings on 4 Vehicles bundle:$836

Coalmont, 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 Coalmont, TN.

Location Average Insurance Cost Post DUI Insurance Rate
Coalmont $1,393 $2,495
Grundy County $1,389 $2,488
Gruetli-Laager $1,386 $2,483
Tracy City $1,403 $2,513
Altamont $1,376 $2,465
Beersheba Springs $1,376 $2,465
Palmer $1,371 $2,456
Pelham $1,473 $2,639

Coalmont, 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) $1,195
Excellent (740-799) $1,364
Good (670-739) $1,452
Average (580-669) $1,894
Poor (300-579) $2,272

Coalmont, 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
Trademark Insurance Llc Travelers 1016 W MAIN ST, MONTEAGLE, 37356 931-924-2177
Stevens Insurance Associates, Llc None 6400 Lee Hwy Suite 107, Chattanooga, 37421 None
Mary-Hannah Daugherty Liberty Mutual 1206 Pointe Center Drive Suite 170, Chattanooga, 37421 1-423-894-1237
Goss Insurance Agency Travelers 4706 HIXSON PIKE STE 104, HIXSON, 37343 423-875-0949
Gabriel Frazier Farmers 231 Barfield Crescent Rd Ste C3, Murfreesboro, 37128 (615) 600-4788
Jim Garren State Farm 15788B Rankin Ave, Dunlap, 37327-7016 800-635-4508
John Turner Nationwide 9481 David Smith Ln STE 117, Ooltewah, 37363 (423) 238-6100
Randall Jones Farmers 7161 Lee Hwy Ste 600, Chattanooga, 37421 (423) 499-9480
J Pat Williams A Division Of Insurity Grp Llc Travelers 6148 LEE HWY STE 206, CHATTANOOGA, 37421 423-424-4637
Todd Trent State Farm 5906 Main St Ste 100, Ooltewah, 37363-9297 423-238-3478

Coalmont, 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 $1,454
Driver's Failure In Showing Documents +$135 $1,528
Driving With An Expired Registration +$143 $1,536
Driving At A Considerably Slow Pace +$302 $1,695
Using A Cellphone While Driving +$319 $1,712
Running A Red Light +$325 $1,718
Speeding +$341 $1,734
Driving A Vehicle Without The Required Permission +$433 $1,826
Driving With An Expired/Suspended License +$939 $2,332

Coalmont, 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 $1,337
Active Disabling Device $1,337
Tracking Device $1,309
Passive Disabling Device $1,295