Estill Springs Auto Insurance Rates, Quotes, Agents & Reviews in TN

Estill Springs, TN Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Estill Springs, 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 Estill Springs, 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.


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

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

Estill Springs Franklin County Decherd Winchester Tullahoma Lynchburg
Average Insurance Rates $1,417 $1,426 $1,392 $1,436 $1,422 $1,469

Estill Springs, 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 Estill Springs, 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)
Estill Springs $1,327 $1,121
Decherd $1,410 $1,191
Winchester $1,668 $1,409
Franklin County $1,490 $1,259
Cowan $1,676 $1,415
Tullahoma $1,486 $1,255
Sewanee $1,846 $1,559
Lynchburg $1,113 $940

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

Teenagers in Estill Springs, 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 $4,598
20 Years $1,821
30 Years $1,402
40 Years $1,349
50 Years $1,249
60 Years $1,267
70 Years $1,475

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

Car owners in Estill Springs, 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 $2,409 $425
3 Vehicles $3,613 $638
4 Vehicles $4,818 $850

Savings on 2 Vehicles bundle:$425

Savings on 3 Vehicles bundle:$638

Savings on 4 Vehicles bundle:$850


Estill Springs, 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 Estill Springs, TN.

Location Average Insurance Cost Post DUI Insurance Rate
Estill Springs $1,417 $2,538
Decherd $1,392 $2,494
Winchester $1,436 $2,573
Franklin County $1,426 $2,555
Cowan $1,384 $2,479
Tullahoma $1,422 $2,547
Sewanee $1,596 $2,859
Lynchburg $1,469 $2,632

Estill Springs, 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) $1,216
Excellent (740-799) $1,388
Good (670-739) $1,477
Average (580-669) $1,926
Poor (300-579) $2,311

Estill Springs, 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
Bill Nickels Insurance Agency None 107 E. Mclean Street, Manchester, 37355 None
David Duncan State Farm 301 N Jackson St, Tullahoma, 37388-3552 931-455-3417
James Knight Allstate 416 Medical Center Pkwy Ste C, Murfreesboro, 37129 (615) 962-8662
My Team Insurance Services Llc Travelers 1507 Memorial Blvd, Murfreesboro, 37129 None
Lee Sullivan State Farm 601 E Carroll St, Tullahoma, 37388-3951 931-455-6555
Steve Michel Farmers 1715 Old Fort Pkwy Ste 600, Murfreesboro, 37129 (615) 692-2886
Russell Seaver Allstate 1810 Old Fort Pkwy Ste F, Murfreesboro, 37129 (615) 896-7283
Ram Insurance Services Travelers 1810 Old Fort Parkway, Suite E, Murfreesboro, 37129 None
Lee Fox Lutcf Liberty Mutual 2615 Medical Center Parkway Suite 680, Murfreesboro, 37129 1-615-896-5339

Estill Springs, 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 $1,479
Driver's Failure In Showing Documents +$137 $1,554
Driving With An Expired Registration +$146 $1,563
Driving At A Considerably Slow Pace +$307 $1,724
Using A Cellphone While Driving +$324 $1,741
Running A Red Light +$330 $1,747
Speeding +$347 $1,764
Driving A Vehicle Without The Required Permission +$441 $1,858
Driving With An Expired/Suspended License +$955 $2,372

Estill Springs, 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 $1,360
Active Disabling Device $1,360
Tracking Device $1,332
Passive Disabling Device $1,318