Everyone loves saving money. Here are 10 ways to reduce your auto insurance costs in Tennessee:

10 -  Encourage your teens to take drivers ed classes. Senior citizens can also benefit from defensive driving courses.

9 - Take advantage of discounts. For instance, some companies offer low-mileage discounts for cars driven less than 8000 miles a year.

8 - Find the right company. Some companies are friendlier to different classes of drivers than others are. If you have drivers under 21 or over 70, for instance, or if you have an at-fault accident on your record you need to shop around.

7 - Choose an independent agent who can choose from many companies and match you with the best – for you. No one company will always be the best option. Don't get stuck with a “captive” agent who only writes for one huge company.

6 - Pay your bills on time. Credit factors in to most auto insurance rating formulas.

5 - Bundle – most of  the time. Sometimes you'll actually come out better having your home or renters insurance with a different company than your auto, especially in rural areas.

4 - Raise your liability limits. It may seem odd, but over the long term drivers who keep higher-than-minimum limits will end up with better rates.

3 - Raise those deductibles to find the perfect balance between coverage and price.

2 - Avoid parking lot accidents. Private property accidents are almost always considered your fault and can really hurt your rates, even if the damage and claim is minor.

1 - Drive a little slower! Simply avoiding speeding tickets keeps those dreaded points off of your record.

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BONUS - Call or message us today to know that you are getting the best rates! Start your quote here.

Did you know that the only way to take full advantage of personal property replacement cost coverage on homeowners or renters policies in Tennessee is to be able to prove what was lost? Insurance companies will not always "take your word for it" on property losses -- you must me able to justify your claim. 

There is, of course, an app for that. Actually there are several, plus online tools. Here are two great resources to help you inventory your personal possessions and store that information securely. 

MyHomeScr.APP.book comes highly recommended and is available for the Apple devices and Android.

The non-profit Insurance Information Institute offers their Know Your Stuff app and an online/software platform for those without smartphones. 

Do seriously consider using these tools or at least photographing each room and all your most significant possessions. If none of these tools work for you, please contact us for more options. We can even help you store your data.

And make sure that your policy has replacement cost coverage for personal possessions!

If you are a renter (or know one), remember that we have three companies that will write renters insurance, which provides property coverage, medical payments, and personal liability. It's usually quite affordable so don't do without.