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

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

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


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

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

Decherd Estill Springs Sewanee Tullahoma Winchester Franklin County
Average Insurance Rates $1,392 $1,417 $1,596 $1,422 $1,436 $1,426

Decherd, 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 Decherd, 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)
Decherd $1,410 $1,191
Winchester $1,668 $1,409
Estill Springs $1,327 $1,121
Franklin County $1,490 $1,259
Cowan $1,676 $1,415
Sewanee $1,846 $1,559
Monteagle $2,800 $2,365
Tullahoma $1,486 $1,255

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

Teenagers in Decherd, 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 $4,517
20 Years $1,789
30 Years $1,378
40 Years $1,325
50 Years $1,227
60 Years $1,245
70 Years $1,449

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

Car owners in Decherd, 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 $2,366 $418
3 Vehicles $3,550 $626
4 Vehicles $4,733 $835

Savings on 2 Vehicles bundle:$418

Savings on 3 Vehicles bundle:$626

Savings on 4 Vehicles bundle:$835


Decherd, 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 Decherd, TN.

Location Average Insurance Cost Post DUI Insurance Rate
Decherd $1,392 $2,494
Winchester $1,436 $2,573
Estill Springs $1,417 $2,538
Franklin County $1,426 $2,555
Cowan $1,384 $2,479
Sewanee $1,596 $2,859
Monteagle $1,427 $2,556
Tullahoma $1,422 $2,547

Decherd, 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) $1,194
Excellent (740-799) $1,363
Good (670-739) $1,450
Average (580-669) $1,892
Poor (300-579) $2,271

Decherd, 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 ROAD, WINCHESTER, 37398 931-967-7546
Billy Freeze State Farm 2295 Decherd Blvd, Decherd, 37324-3827 931-967-2257
Josh Gardner State Farm 107 N Porter St Ste 8, Winchester, 37398-1480 931-967-2030
T. C. Simmons Insurance Agency None 126 N Jefferson St, Winchester, 37398 None
Blake Tuggle Insurance Erie 500 Dinah Shore Blvd, Winchester, 37398 None
Reducemyinsurance Net Travelers 640 BROADMOR BLVD STE 100, MURFREESBORO, 37129 615-900-0288
Christopher Poplin Allstate 1470 Battleground Dr, Murfreesboro, 37129 (615) 895-3211
Guess Insurance Erie 101 S Woodland, Manchester, 37355 None
Cook Insurance Group Llc Travelers 4616 HIXSON PIKE, HIXSON, 37343 423-870-3959
My Team Insurance Services Llc Travelers 1507 MEMORIAL BLVD, MURFREESBORO, 37130 615-895-4201
Bud Morris State Farm 3245 Franklin Rd, Murfreesboro, 37128-4113 615-893-1417

Decherd, 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 $1,453
Driver's Failure In Showing Documents +$135 $1,527
Driving With An Expired Registration +$143 $1,535
Driving At A Considerably Slow Pace +$302 $1,694
Using A Cellphone While Driving +$319 $1,711
Running A Red Light +$324 $1,716
Speeding +$341 $1,733
Driving A Vehicle Without The Required Permission +$433 $1,825
Driving With An Expired/Suspended License +$938 $2,330

Decherd, 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 $1,336
Active Disabling Device $1,336
Tracking Device $1,308
Passive Disabling Device $1,295