Lookout Mountain Auto Insurance Rates, Quotes, Agents & Reviews in TN

Lookout Mountain, TN Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Lookout Mountain, 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 Lookout Mountain, 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.


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

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

Lookout Mountain East Ridge Fairview Chattanooga Valley Ridgeside Lakeview
Average Insurance Rates $1,829 $1,424 $1,587 $1,581 $1,573 $1,562

Lookout Mountain, 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 Lookout Mountain, 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)
Lookout Mountain $1,999 $1,689
Rossville $1,464 $1,236
Chattanooga Valley $1,597 $1,349
Rossville-Beverly Hills $1,341 $1,133
Fairview $1,690 $1,428
Lakeview $1,928 $1,629
Ridgeside $1,552 $1,311
East Ridge $1,628 $1,375

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

Teenagers in Lookout Mountain, 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 $5,935
20 Years $2,350
30 Years $1,810
40 Years $1,742
50 Years $1,613
60 Years $1,635
70 Years $1,903

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

Car owners in Lookout Mountain, 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 $3,182 $476
3 Vehicles $4,774 $713
4 Vehicles $6,365 $951

Savings on 2 Vehicles bundle:$476

Savings on 3 Vehicles bundle:$713

Savings on 4 Vehicles bundle:$951


Lookout Mountain, 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 Lookout Mountain, TN.

Location Average Insurance Cost Post DUI Insurance Rate
Lookout Mountain $1,829 $3,277
Rossville $1,558 $2,848
Chattanooga Valley $1,581 $2,890
Rossville-Beverly Hills $1,561 $2,854
Fairview $1,587 $2,901
Lakeview $1,562 $2,856
Ridgeside $1,573 $2,818
East Ridge $1,424 $2,551

Lookout Mountain, 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) $1,569
Excellent (740-799) $1,791
Good (670-739) $1,906
Average (580-669) $2,486
Poor (300-579) $2,983

Lookout Mountain, 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
Dale Hughey Farmers 6741 Ringgold Rd Ste H, Chattanooga, 37412 (423) 710-2328
Kerry Smith State Farm 3501 Dayton Blvd Ste C, Chattanooga, 37415-4632 423-870-1809
Rss Insurance Liberty Mutual Independent 6236 AIRPARK DR, CHATTANOOGA, 37421 (423) 954-9100
Arthur Lewis State Farm 844 S Germantown Rd Ste C, Chattanooga, 37412-1700 423-698-5552
Acumen Risk Advisors Llc Erie 535 Chestnut Street Suite 202, Chattanooga, 37402 None
J Smith Lanier & Co Liberty Mutual Independent Liberty Tower, Suite 500 Liberty Tower, Suite 500, Chattanooga, 37450 None
Financial Management Network Inc Travelers 823 CHESTNUT ST, CHATTANOOGA, 37402 423-265-0119
A Aaron & Associates Lawhorn Travelers 5019 ROSSVILLE BLVD, CHATTANOOGA, 37407 423-867-3030
Steve Kulik Liberty Mutual 1206 Pointe Center Drive Suite 170, Chattanooga, 37421 1-423-894-1237
Brock Insurance Agency - Chattanooga None 218 Manufacturers Rd, Chattanooga, 37405 None

Lookout Mountain, 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 +$80 $1,909
Driver's Failure In Showing Documents +$177 $2,006
Driving With An Expired Registration +$188 $2,017
Driving At A Considerably Slow Pace +$397 $2,226
Using A Cellphone While Driving +$419 $2,248
Running A Red Light +$426 $2,255
Speeding +$448 $2,277
Driving A Vehicle Without The Required Permission +$569 $2,398
Driving With An Expired/Suspended License +$1,233 $3,062

Lookout Mountain, 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 $1,756
Active Disabling Device $1,756
Tracking Device $1,719
Passive Disabling Device $1,701