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

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

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

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

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

Gainesboro Red Boiling Springs Baxter Jackson County Dodson Branch Algood
Average Insurance Rates $1,391 $1,384 $1,415 $1,413 $1,417 $1,434

Gainesboro, 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 Gainesboro, 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)
Gainesboro $1,432 $1,209
Jackson County $1,945 $1,643
Dodson Branch $1,400 $1,182
Clay County $1,950 $1,647
Baxter $1,201 $1,014
Celina $1,315 $1,111
Algood $1,506 $1,272
Red Boiling Springs $1,421 $1,201

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

Teenagers in Gainesboro, 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 $4,514
20 Years $1,787
30 Years $1,377
40 Years $1,325
50 Years $1,227
60 Years $1,244
70 Years $1,448

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

Car owners in Gainesboro, 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 $2,393 $389
3 Vehicles $3,589 $584
4 Vehicles $4,785 $779

Savings on 2 Vehicles bundle:$389

Savings on 3 Vehicles bundle:$584

Savings on 4 Vehicles bundle:$779

Gainesboro, 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 Gainesboro, TN.

Location Average Insurance Cost Post DUI Insurance Rate
Gainesboro $1,391 $2,492
Jackson County $1,413 $2,531
Dodson Branch $1,417 $2,538
Clay County $1,397 $2,503
Baxter $1,415 $2,535
Celina $1,407 $2,521
Algood $1,434 $2,569
Red Boiling Springs $1,384 $2,479

Gainesboro, 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) $1,193
Excellent (740-799) $1,362
Good (670-739) $1,449
Average (580-669) $1,891
Poor (300-579) $2,269

Gainesboro, 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
Powell & Meadows - Carthage None 1006 Main Street N, Carthage, 37030 None
Fields Insurance Llc Liberty Mutual Independent 225 W STEVENS ST, COOKEVILLE, 38501 (931) 526-5049
Scotty Yeaman State Farm 1011 Main St N, Carthage, 37030-1004 615-735-1812
Corky Cross State Farm 311 W Division St, Mount Juliet, 37122-3207 615-758-8420
Wilmoth Ins. Agency Allstate 201 Reagan St, Cookeville, 38501 (931) 526-6181
Mimbs Insurance Agency Erie 118 Public Square, Gallatin, 37066 None
Ken Hackett Insurance Agency Erie 541 N Mount Juliet Road Suite 2202, Mount Juliet, 37122 None
Roderick Rod Garro Farmers 1517 Hunt Club Blvd Ste 208, Gallatin, 37066 (615) 426-0890
Carlson Insurance Group Llc Erie 166 BELINDA PKWY STE 100, MOUNT JULIET, 37122 (615) 200-7464

Gainesboro, 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 $1,452
Driver's Failure In Showing Documents +$135 $1,526
Driving With An Expired Registration +$143 $1,534
Driving At A Considerably Slow Pace +$302 $1,693
Using A Cellphone While Driving +$319 $1,710
Running A Red Light +$324 $1,715
Speeding +$341 $1,732
Driving A Vehicle Without The Required Permission +$433 $1,824
Driving With An Expired/Suspended License +$938 $2,329

Gainesboro, 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 $1,335
Active Disabling Device $1,335
Tracking Device $1,308
Passive Disabling Device $1,294