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

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

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

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

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

Obion Newbern Obion County Trimble Troy Kenton
Average Insurance Rates $1,382 $1,388 $1,394 $1,370 $1,393 $1,373

Obion, 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 Obion, 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)
Obion $1,400 $1,182
Trimble $1,371 $1,158
Troy $1,353 $1,143
Obion County $1,453 $1,228
Hornbeak $1,551 $1,310
Rives $1,886 $1,593
Kenton $1,215 $1,027
Newbern $1,344 $1,135

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

Teenagers in Obion, 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 $4,484
20 Years $1,776
30 Years $1,368
40 Years $1,316
50 Years $1,219
60 Years $1,236
70 Years $1,438

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

Car owners in Obion, 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 $2,405 $359
3 Vehicles $3,607 $539
4 Vehicles $4,809 $719

Savings on 2 Vehicles bundle:$359

Savings on 3 Vehicles bundle:$539

Savings on 4 Vehicles bundle:$719

Obion, 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 Obion, TN.

Location Average Insurance Cost Post DUI Insurance Rate
Obion $1,382 $2,476
Trimble $1,370 $2,454
Troy $1,393 $2,495
Obion County $1,394 $2,497
Hornbeak $1,367 $2,449
Rives $1,371 $2,456
Kenton $1,373 $2,460
Newbern $1,388 $2,487

Obion, 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) $1,186
Excellent (740-799) $1,353
Good (670-739) $1,440
Average (580-669) $1,879
Poor (300-579) $2,254

Obion, 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
Chris Williams State Farm 602 S 1st St, Union City, 38261-4829 731-885-4433
Bradshaw & Company Insurors Erie 421 W COURT ST, DYERSBURG, 38024 (731) 285-5767
Tigrett & Pennington Inc Liberty Mutual Independent 300 US HIGHWAY 51 BYP N, DYERSBURG, 38024 (731) 285-4455
Ken Pullias State Farm 157 S Main St, Dyer, 38330-1817 731-692-3792
Bodiford-White Ins Travelers 220 N MAIN ST STE G 100, DYERSBURG, 38024 731-285-0565
Anita Hart State Farm 1925 Cook St, Dyersburg, 38024-1882 731-287-0560
Volunteer Insurance Agency Inc. Erie 106 E. Main St , Rutherford, 38369 None
Westan Insurance Group Inc. Dba Holloman Ins. None 111 E College, Kenton, 38233 None
Cac Financial Partners Travelers 116 Jefferson St, Ripley, 38063 None

Obion, 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 $1,443
Driver's Failure In Showing Documents +$134 $1,516
Driving With An Expired Registration +$142 $1,524
Driving At A Considerably Slow Pace +$300 $1,682
Using A Cellphone While Driving +$316 $1,698
Running A Red Light +$322 $1,704
Speeding +$339 $1,721
Driving A Vehicle Without The Required Permission +$430 $1,812
Driving With An Expired/Suspended License +$931 $2,313

Obion, 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 $1,327
Active Disabling Device $1,327
Tracking Device $1,299
Passive Disabling Device $1,285