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

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

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

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

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

Cowan Sewanee Estill Springs Pelham Franklin County Monteagle
Average Insurance Rates $1,384 $1,596 $1,417 $1,473 $1,426 $1,427

Cowan, 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 Cowan, 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)
Cowan $1,676 $1,415
Franklin County $1,490 $1,259
Decherd $1,410 $1,191
Winchester $1,668 $1,409
Sewanee $1,846 $1,559
Estill Springs $1,327 $1,121
Monteagle $2,800 $2,365
Pelham $1,329 $1,122

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

Teenagers in Cowan, 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 $4,491
20 Years $1,778
30 Years $1,370
40 Years $1,318
50 Years $1,220
60 Years $1,237
70 Years $1,440

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

Car owners in Cowan, 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 $2,408 $360
3 Vehicles $3,612 $540
4 Vehicles $4,816 $720

Savings on 2 Vehicles bundle:$360

Savings on 3 Vehicles bundle:$540

Savings on 4 Vehicles bundle:$720

Cowan, 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 Cowan, TN.

Location Average Insurance Cost Post DUI Insurance Rate
Cowan $1,384 $2,479
Franklin County $1,426 $2,555
Decherd $1,392 $2,494
Winchester $1,436 $2,573
Sewanee $1,596 $2,859
Estill Springs $1,417 $2,538
Monteagle $1,427 $2,556
Pelham $1,473 $2,639

Cowan, 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) $1,187
Excellent (740-799) $1,355
Good (670-739) $1,442
Average (580-669) $1,881
Poor (300-579) $2,257

Cowan, 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
Hatchett Insurance Travelers 1807 Bypass Rd, Winchester, 37398 None
Billy Freeze State Farm 2295 Decherd Blvd, Decherd, 37324-3827 931-967-2257
V R Williams & Company Travelers 1784 SHARP SPRINGS ROAD, WINCHESTER, 37398 931-967-2268
Josh Gardner State Farm 107 N Porter St Ste 8, Winchester, 37398-1480 931-967-2030
David Duncan State Farm 301 N Jackson St, Tullahoma, 37388-3552 931-455-3417
Hill Insurance Inc Travelers 2113 DECHERD BLVD, DECHERD, 37324 931-967-9685
Adriane Bailey Farmers 7030 Lee Hwy Ste 102, Chattanooga, 37421 (423) 664-2856
Hatchett Ins Agy Allstate 1807 Bypass, Winchester, 37398 (931) 967-7546
Global Green Insurance Agency Travelers 1216 NASHVILLE HWY, LEWISBURG, 37091 931-359-7391
Robert W. Bowman Dba Doug Hess Insurance None 122 Lee Parkway Dr Ste 103, Chattanooga, 37421 None

Cowan, 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 $1,445
Driver's Failure In Showing Documents +$134 $1,518
Driving With An Expired Registration +$143 $1,527
Driving At A Considerably Slow Pace +$300 $1,684
Using A Cellphone While Driving +$317 $1,701
Running A Red Light +$322 $1,706
Speeding +$339 $1,723
Driving A Vehicle Without The Required Permission +$430 $1,814
Driving With An Expired/Suspended License +$933 $2,317

Cowan, 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 $1,329
Active Disabling Device $1,329
Tracking Device $1,301
Passive Disabling Device $1,287