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

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

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

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

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

Monteagle Decherd Grundy County Pelham Tracy City Sewanee
Average Insurance Rates $1,427 $1,392 $1,389 $1,473 $1,403 $1,596

Monteagle, 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 Monteagle, 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)
Monteagle $2,800 $2,365
Sewanee $1,846 $1,559
Tracy City $2,068 $1,747
Pelham $1,329 $1,122
Coalmont $2,118 $1,789
Cowan $1,676 $1,415
Grundy County $1,407 $1,188
Decherd $1,410 $1,191

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

Teenagers in Monteagle, 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 $4,630
20 Years $1,834
30 Years $1,412
40 Years $1,359
50 Years $1,258
60 Years $1,276
70 Years $1,485

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

Car owners in Monteagle, 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 $2,454 $400
3 Vehicles $3,682 $599
4 Vehicles $4,909 $799

Savings on 2 Vehicles bundle:$400

Savings on 3 Vehicles bundle:$599

Savings on 4 Vehicles bundle:$799

Monteagle, 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 Monteagle, TN.

Location Average Insurance Cost Post DUI Insurance Rate
Monteagle $1,427 $2,556
Sewanee $1,596 $2,859
Tracy City $1,403 $2,513
Pelham $1,473 $2,639
Coalmont $1,393 $2,495
Cowan $1,384 $2,479
Grundy County $1,389 $2,488
Decherd $1,392 $2,494

Monteagle, 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) $1,224
Excellent (740-799) $1,398
Good (670-739) $1,487
Average (580-669) $1,940
Poor (300-579) $2,328

Monteagle, 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 +$63 $1,490
Driver's Failure In Showing Documents +$138 $1,565
Driving With An Expired Registration +$147 $1,574
Driving At A Considerably Slow Pace +$310 $1,737
Using A Cellphone While Driving +$327 $1,754
Running A Red Light +$332 $1,759
Speeding +$350 $1,777
Driving A Vehicle Without The Required Permission +$444 $1,871
Driving With An Expired/Suspended License +$962 $2,389

Monteagle, 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 $1,370
Active Disabling Device $1,370
Tracking Device $1,341
Passive Disabling Device $1,327