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

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

Zimlon, through its research, found that car owners in Selmer, 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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Find Best Car Insurance in Selmer, TN

If you have a car, you need car insurance. It's as simple as that. Car insurance is a must whether driving around Selmer, TN or anywhere else in the country. Many different things can happen when driving, and car insurance protects you from financial ruin in an accident. If you don't have car insurance and get into an accident, you could be looking at a very expensive repair bill, or even worse, you could be sued. No one wants to think about getting into an accident, but it's always best to be prepared. That's why you need car insurance. It's there to protect you financially in the event of an accident and could save you a lot of money in the long run.

In Selmer, TN, the average cost of car insurance is $1,401. Your vehicle insurance rates in Selmer, Tennessee, are calculated after carefully examining several variables. These factors comprise your age, gender, and a number of other traits in addition to your driving history. In Selmer, Tennessee, there are several possibilities for reducing the price of auto insurance. This article will address Selmer, Tennessee, vehicle insurance costs as well as suggestions for reducing those rates.

Credit History

Your credit history is one of the most important factors in determining car insurance rates. In Selmer, TN, insurers use your credit score to help them predict how likely you are to file a claim. The higher your score, the lower your rates will be. Owners of cars in Selmer, Tennessee, with exceptional credit scores have to pay $1,202, while those with poor credit must pay $2,285. As a result, your auto insurance prices will be lower the better your credit score.

Age of the Driver

Younger drivers tend to be seen as more of a risk by insurance companies, and thus, they will charge more for their coverage. This is because younger drivers are more likely to get into accidents. As drivers get older and gain more experience behind the wheel, they become less of a risk, and their rates will go down. For instance, teenagers in Selmer, Tennessee, pay $4,546 for auto insurance, whereas older drivers in the same county who are 40 years old pay $1,334.

Clean Driving History

Car insurance companies in Selmer, TN, use your driving history as one of the main factors in determining your rates. A clean driving history usually means you are at a lower insurance risk, so your rates will be lower. On the other hand, if you have a history of accidents or moving violations, your rates will be higher. Speeding and running a red light can raise your rates by +$343 and +$326 in Selmer, Tennessee. Therefore, keeping a clean driving record is crucial to keep your Selmer, TN, auto insurance premiums low.

Factors that can influence the cost of car insurance in Selmer, 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.

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

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

Selmer McNairy County Bethel Springs Michie Eastview Ramer
Average Insurance Rates $1,401 $1,394 $1,373 $1,387 $1,392 $1,390

Selmer, 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 Selmer, 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)
Selmer $1,265 $1,068
McNairy County $1,918 $1,620
Bethel Springs $1,889 $1,596
Eastview $1,352 $1,142
Ramer $1,350 $1,141
Stantonville $1,010 $853
Guys $1,458 $1,232
Michie $1,347 $1,138

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

Teenagers in Selmer, 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 $4,546
20 Years $1,800
30 Years $1,387
40 Years $1,334
50 Years $1,235
60 Years $1,253
70 Years $1,458

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

Car owners in Selmer, 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 $2,438 $364
3 Vehicles $3,657 $546
4 Vehicles $4,875 $729

Savings on 2 Vehicles bundle:$364

Savings on 3 Vehicles bundle:$546

Savings on 4 Vehicles bundle:$729

Selmer, 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 Selmer, TN.

Location Average Insurance Cost Post DUI Insurance Rate
Selmer $1,401 $2,510
McNairy County $1,394 $2,497
Bethel Springs $1,373 $2,460
Eastview $1,392 $2,494
Ramer $1,390 $2,490
Stantonville $1,384 $2,479
Guys $1,390 $2,490
Michie $1,387 $2,485

Selmer, 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) $1,202
Excellent (740-799) $1,372
Good (670-739) $1,460
Average (580-669) $1,905
Poor (300-579) $2,285

Selmer, 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
Casey Insurance Agency Erie 459 E Main Street, Henderson, 38340 None
Chambers Insurance Agency Travelers 160 S SECOND ST, SELMER, 38375 901-645-3551
Milton Nash State Farm 1040 Mulberry Ave, Selmer, 38375-6629 731-645-7777
Bodiford-White None 584 Mulberry Ave, Selmer, 38375 None
Frank Bell State Farm 407 W Main St, Henderson, 38340-2210 731-989-5159
Raymond B Wiggins Nationwide 188 Carriage House Dr STE 1, Jackson, 38305-3969 (731) 668-8090
Bodiford-White Ins Travelers 18 CONRAD DR, JACKSON, 38305 731-664-2700
Fsb Insurance, Inc. None 316 West Main Street, Brownsville, 38012 None

Selmer, 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 +$62 $1,463
Driver's Failure In Showing Documents +$136 $1,537
Driving With An Expired Registration +$144 $1,545
Driving At A Considerably Slow Pace +$304 $1,705
Using A Cellphone While Driving +$321 $1,722
Running A Red Light +$326 $1,727
Speeding +$343 $1,744
Driving A Vehicle Without The Required Permission +$436 $1,837
Driving With An Expired/Suspended License +$944 $2,345

Selmer, 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 $1,345
Active Disabling Device $1,345
Tracking Device $1,317
Passive Disabling Device $1,303