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

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

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


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

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

Tracy City Gruetli-Laager Pelham Coalmont Monteagle Altamont
Average Insurance Rates $1,403 $1,386 $1,473 $1,393 $1,427 $1,376

Tracy 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 Tracy 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)
Tracy City $2,068 $1,747
Monteagle $2,800 $2,365
Coalmont $2,118 $1,789
Pelham $1,329 $1,122
Grundy County $1,407 $1,188
Gruetli-Laager $1,577 $1,332
Sewanee $1,846 $1,559
Altamont $1,893 $1,599

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

Teenagers in Tracy 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 $4,552
20 Years $1,803
30 Years $1,388
40 Years $1,336
50 Years $1,237
60 Years $1,254
70 Years $1,460

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

Car owners in Tracy 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 $2,441 $365
3 Vehicles $3,662 $547
4 Vehicles $4,882 $730

Savings on 2 Vehicles bundle:$365

Savings on 3 Vehicles bundle:$547

Savings on 4 Vehicles bundle:$730


Tracy 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 Tracy City, TN.

Location Average Insurance Cost Post DUI Insurance Rate
Tracy City $1,403 $2,513
Monteagle $1,427 $2,556
Coalmont $1,393 $2,495
Pelham $1,473 $2,639
Grundy County $1,389 $2,488
Gruetli-Laager $1,386 $2,483
Sewanee $1,596 $2,859
Altamont $1,376 $2,465

Tracy 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) $1,204
Excellent (740-799) $1,374
Good (670-739) $1,462
Average (580-669) $1,907
Poor (300-579) $2,288

Tracy 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
Hatchett Insurance Travelers 1807 Bypass Rd, Winchester, 37398 None
Trademark Insurance Llc Travelers 1016 W MAIN ST, MONTEAGLE, 37356 931-924-2177
Greater Chattanooga Insurance Travelers 5506 MILLER DR, CHATTANOOGA, 37411 423-894-1515
Adriane Bailey Farmers 7030 Lee Hwy Ste 102, Chattanooga, 37421 (423) 664-2856
Rss Insurance Liberty Mutual Independent 6236 AIRPARK DR, CHATTANOOGA, 37421 (423) 954-9100
Neil Helton State Farm 807 N Chancery St, McMinnville, 37110-1604 931-473-1539
Jerry Stephens State Farm 540 Hillsboro Hwy, Manchester, 37355 931-728-9884
Ryan Taylor Allstate 5035 Ooltewah Rg Rd Ste 129, Ooltewah, 37363 (423) 396-3551
Collins & Miller Ins Allstate 1608 N. Main Street 1608 N. Main Street, Shelbyville, 37160 None

Tracy 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 +$62 $1,465
Driver's Failure In Showing Documents +$136 $1,539
Driving With An Expired Registration +$145 $1,548
Driving At A Considerably Slow Pace +$304 $1,707
Using A Cellphone While Driving +$321 $1,724
Running A Red Light +$327 $1,730
Speeding +$344 $1,747
Driving A Vehicle Without The Required Permission +$436 $1,839
Driving With An Expired/Suspended License +$946 $2,349

Tracy 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 $1,347
Active Disabling Device $1,347
Tracking Device $1,319
Passive Disabling Device $1,305