Shackle Island Auto Insurance Rates, Quotes, Agents & Reviews in TN

Shackle Island, TN Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Shackle Island, 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 Shackle Island, 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.


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

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

Shackle Island Gallatin Walnut Grove Goodlettsville Millersville Hendersonville
Average Insurance Rates $1,587 $1,096 $1,468 $1,498 $1,463 $1,099

Shackle Island, 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 Shackle Island, 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)
Shackle Island $1,682 $1,421
Hendersonville $1,861 $1,572
Millersville $1,831 $1,547
Goodlettsville $1,443 $1,219
White House $1,431 $1,208
Cottontown $995 $840
Walnut Grove $1,688 $1,426
Gallatin $1,370 $1,157

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

Teenagers in Shackle Island, 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 $5,150
20 Years $2,039
30 Years $1,571
40 Years $1,511
50 Years $1,399
60 Years $1,419
70 Years $1,652

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

Car owners in Shackle Island, 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 $2,730 $444
3 Vehicles $4,094 $667
4 Vehicles $5,459 $889

Savings on 2 Vehicles bundle:$444

Savings on 3 Vehicles bundle:$667

Savings on 4 Vehicles bundle:$889


Shackle Island, 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 Shackle Island, TN.

Location Average Insurance Cost Post DUI Insurance Rate
Shackle Island $1,587 $2,843
Hendersonville $1,099 $1,969
Millersville $1,463 $2,621
Goodlettsville $1,498 $2,684
White House $1,481 $2,653
Cottontown $1,592 $2,852
Walnut Grove $1,468 $2,630
Gallatin $1,096 $1,963

Shackle Island, 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) $1,362
Excellent (740-799) $1,554
Good (670-739) $1,654
Average (580-669) $2,157
Poor (300-579) $2,589

Shackle Island, 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 +$70 $1,657
Driver's Failure In Showing Documents +$154 $1,741
Driving With An Expired Registration +$163 $1,750
Driving At A Considerably Slow Pace +$344 $1,931
Using A Cellphone While Driving +$363 $1,950
Running A Red Light +$370 $1,957
Speeding +$389 $1,976
Driving A Vehicle Without The Required Permission +$494 $2,081
Driving With An Expired/Suspended License +$1,070 $2,657

Shackle Island, 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 $1,524
Active Disabling Device $1,524
Tracking Device $1,492
Passive Disabling Device $1,476