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

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

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


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

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

Ridgetop Springfield Shackle Island Millersville Robertson County White House
Average Insurance Rates $1,476 $1,438 $1,587 $1,463 $1,313 $1,481

Ridgetop, 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 Ridgetop, 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)
Ridgetop $1,735 $1,465
Greenbrier $1,063 $898
Millersville $1,831 $1,547
Goodlettsville $1,443 $1,219
White House $1,431 $1,208
Shackle Island $1,682 $1,421
Springfield $1,617 $1,366
Robertson County $1,001 $846

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

Teenagers in Ridgetop, 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 $4,789
20 Years $1,896
30 Years $1,461
40 Years $1,405
50 Years $1,302
60 Years $1,320
70 Years $1,536

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

Car owners in Ridgetop, 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 $2,539 $413
3 Vehicles $3,808 $620
4 Vehicles $5,077 $827

Savings on 2 Vehicles bundle:$413

Savings on 3 Vehicles bundle:$620

Savings on 4 Vehicles bundle:$827


Ridgetop, 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 Ridgetop, TN.

Location Average Insurance Cost Post DUI Insurance Rate
Ridgetop $1,476 $2,644
Greenbrier $1,446 $2,590
Millersville $1,463 $2,621
Goodlettsville $1,498 $2,684
White House $1,481 $2,653
Shackle Island $1,587 $2,843
Springfield $1,438 $2,576
Robertson County $1,313 $2,352

Ridgetop, 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) $1,266
Excellent (740-799) $1,446
Good (670-739) $1,538
Average (580-669) $2,007
Poor (300-579) $2,408

Ridgetop, 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
Shrum Insurance Services Erie 699 WEST MAIN ST STE 210, HENDERSONVILLE, 37075 615-822-7680
John Shelby Insurance Erie 831 WREN ROAD, GOODLETTSVILLE, 37072 615-851-7716
Bryson Mccarley State Farm 1994 Gallatin Pike N Ste 201, Madison, 37115-2024 615-868-4000
Christopher Grinstead Allstate 907 Rivergate Pkwy Ste A1, Goodlettsville, 37072 (615) 420-6220
J Barnes & Company Erie 1000 NORTHCHASE DR STE 11, GOODLETTSVILLE, 37072 615-859-5016
Insurance Group Travelers 841 WREN RD UNIT 7, GOODLETTSVILLE, 37072 615-851-8571
R&R Insurance Group Llc Travelers 841 WREN RD STE 5, GOODLETTSVILLE, 37072 615-851-5947
Hale Insurance Erie 215 29th Avenue N, Nashville, 37203 None
Paul Corley State Farm 107 E Old Hickory Blvd, Madison, 37115-3932 615-868-3830
Marshall Brown State Farm 2021 Gallatin Pike N Ste 164, Madison, 37115-2022 615-859-7050

Ridgetop, 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 +$65 $1,541
Driver's Failure In Showing Documents +$143 $1,619
Driving With An Expired Registration +$152 $1,628
Driving At A Considerably Slow Pace +$320 $1,796
Using A Cellphone While Driving +$338 $1,814
Running A Red Light +$344 $1,820
Speeding +$362 $1,838
Driving A Vehicle Without The Required Permission +$459 $1,935
Driving With An Expired/Suspended License +$995 $2,471

Ridgetop, 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 $1,417
Active Disabling Device $1,417
Tracking Device $1,387
Passive Disabling Device $1,373