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

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

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


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

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

Jamestown Allardt Byrdstown Clarkrange Fentress County Grimsley
Average Insurance Rates $1,376 $1,426 $1,381 $1,368 $1,409 $1,384

Jamestown, 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 Jamestown, 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)
Jamestown $1,291 $1,090
Fentress County $1,426 $1,204
Allardt $1,255 $1,060
Grimsley $1,469 $1,241
Pickett County $1,261 $1,065
Byrdstown $1,341 $1,133
Clarkrange $1,286 $1,087
Sunbright $1,501 $1,268

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

Teenagers in Jamestown, 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 $4,465
20 Years $1,768
30 Years $1,362
40 Years $1,310
50 Years $1,213
60 Years $1,230
70 Years $1,432

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

Car owners in Jamestown, 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 $2,339 $413
3 Vehicles $3,509 $619
4 Vehicles $4,678 $826

Savings on 2 Vehicles bundle:$413

Savings on 3 Vehicles bundle:$619

Savings on 4 Vehicles bundle:$826


Jamestown, 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 Jamestown, TN.

Location Average Insurance Cost Post DUI Insurance Rate
Jamestown $1,376 $2,465
Fentress County $1,409 $2,524
Allardt $1,426 $2,555
Grimsley $1,384 $2,479
Pickett County $1,434 $2,569
Byrdstown $1,381 $2,474
Clarkrange $1,368 $2,451
Sunbright $1,412 $2,530

Jamestown, 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) $1,181
Excellent (740-799) $1,348
Good (670-739) $1,434
Average (580-669) $1,871
Poor (300-579) $2,244

Jamestown, 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
Rains Agency Inc. -- Jamestown None 500 N Main St, Jamestown, 38556 (931) 752-6787
Fields Insurance Llc Liberty Mutual Independent 225 W STEVENS ST, COOKEVILLE, 38501 (931) 526-5049
Fields Insurance Llc Liberty Mutual Independent 225 W STEVENS ST, COOKEVILLE, 38501 (931) 526-5049
Keisling Insurance Agency Inc Travelers 8500 HWY 111 STE 150, BYRDSTOWN, 38549 931-864-3116
Griffin Insurance Agency Liberty Mutual Independent 414 N KENTUCKY ST, KINGSTON, 37763 865-376-3612
Cu Insurance Services Of Tennessee Travelers 501 LAFAYETTE DR, OAK RIDGE, 37830 865-813-1363
Hardy & Wren Insurance Services Travelers 830 W OUTER DR, OAK RIDGE, 37830 865-482-2222
Bradley Hardman Allstate 1307 West Ave Ste 108, Crossville, 38555 (931) 484-5853

Jamestown, 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 $1,437
Driver's Failure In Showing Documents +$133 $1,509
Driving With An Expired Registration +$142 $1,518
Driving At A Considerably Slow Pace +$299 $1,675
Using A Cellphone While Driving +$315 $1,691
Running A Red Light +$321 $1,697
Speeding +$337 $1,713
Driving A Vehicle Without The Required Permission +$428 $1,804
Driving With An Expired/Suspended License +$927 $2,303

Jamestown, 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 $1,321
Active Disabling Device $1,321
Tracking Device $1,293
Passive Disabling Device $1,280