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

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

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


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

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

Mountain City North Fork Pond Mountain Creston Cove Creek Laurel
Average Insurance Rates $1,426 $1,230 $1,021 $1,236 $1,005 $964

Mountain City, 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 Mountain City, 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)
Mountain City $1,255 $1,060
Johnson County $1,313 $1,109
North Fork $1,747 $1,476
Laurel $1,415 $1,195
Pond Mountain $1,323 $1,117
Damascus $1,455 $1,229
Creston $1,090 $920
Cove Creek $1,492 $1,261

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

Teenagers in Mountain City, 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 $4,627
20 Years $1,832
30 Years $1,411
40 Years $1,358
50 Years $1,257
60 Years $1,275
70 Years $1,484

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

Car owners in Mountain City, 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 $2,481 $371
3 Vehicles $3,722 $556
4 Vehicles $4,962 $742

Savings on 2 Vehicles bundle:$371

Savings on 3 Vehicles bundle:$556

Savings on 4 Vehicles bundle:$742


Mountain City, 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 Mountain City, TN.

Location Average Insurance Cost Post DUI Insurance Rate
Mountain City $1,426 $2,555
Johnson County $1,419 $2,542
North Fork $1,230 $5,045
Laurel $964 $3,954
Pond Mountain $1,021 $4,188
Damascus $2,136 $3,487
Creston $1,236 $5,069
Cove Creek $1,005 $4,122

Mountain City, 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) $1,223
Excellent (740-799) $1,397
Good (670-739) $1,486
Average (580-669) $1,939
Poor (300-579) $2,326

Mountain City, 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
Kim Pope State Farm 365 S Shady St, Mountain City, 37683-1536 423-727-8455
John G Triplett Erie 2029 South Shady, Mountain City, 37683 None
Susan Hanes & Associates Insurance Agency Erie 3301 Memorial Blvd, Kingsport, 37664 None
Price & Ramey, Inc. None 1524 Bridgewater Ln Ste 101, Kingsport, 37660 None
Ron Mathews State Farm 1417 Warpath Drive, Kingsport, 37664-3333 423-246-4241
Bb&T-Kdc-Lramsc Liberty Mutual Independent 433 E CENTER ST, KINGSPORT, 37660 (800) 269-1306
Jenkins Insurance Services Erie 201 E Center Street, Kingsport, 37660 None

Mountain City, 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 $1,489
Driver's Failure In Showing Documents +$138 $1,564
Driving With An Expired Registration +$147 $1,573
Driving At A Considerably Slow Pace +$309 $1,735
Using A Cellphone While Driving +$327 $1,753
Running A Red Light +$332 $1,758
Speeding +$349 $1,775
Driving A Vehicle Without The Required Permission +$443 $1,869
Driving With An Expired/Suspended License +$961 $2,387

Mountain City, 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 $1,369
Active Disabling Device $1,369
Tracking Device $1,340
Passive Disabling Device $1,326