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Affordable Car Insurance Options in Dukedom
The cost of car insurance varies significantly depending on the company you choose. Therefore, it is crucial to shop around to ensure you are getting the best rate. Based on Freedom Insurance’s latest analysis, here are the most affordable car insurance companies in Dukedom for a 35-year-old driver with good credit and a clean driving record. Keep in mind that insurance rates are personalized, so these may not be the cheapest options for everyone.
Cheapest Car Insurance Companies
| Company | Median Annual Rate |
| Progressive | $1,155 |
| Safeco | $1,827 |
| Travelers | $1,874 |
| Liberty Mutual | $1,949 |
| The General | $1,984 |
| National General | $2,156 |
| Allstate | $2,430 |
| Kemper | $2,535 |
| Gainsco | $2,767 |
Savings with Bundling Home and Auto Policies
If you have separate home and car insurance policies, bundling them could reduce your costs. The potential savings often make it worthwhile to explore this option.
| Company | Average 6-Month Premium |
| Safeco | $730 |
| Travelers | $749 |
| Allstate | $784 |
| Liberty Mutual | $889 |
| Progressive | $1,029 |
Dukedom Car Insurance Discounts Overview
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Customer Loyalty Discount: Stick around and save 2% to 10%!
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Customer Retention Discount: Stay insured with the same company and enjoy up to 10% off.
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New Customer Discount: Just signed up? Score 5% to 15% off. Pro tip: Get a quote before your current policy runs out for the best deal!
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Continuously Insured Discount: Been insured for the last 6 months? You could save 5% to 25%.
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Billing Discount: Go paperless, pay online, or set up autopay to save 2% to 25%. Easy and budget-friendly!
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Bundled Policies Discount: Insure multiple vehicles or policies together and pocket 1% to 17% in savings.
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Good Student Discount: Got a “B” average or better? Enjoy 5% to 20% off.
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Resident Student Discount: If you’re a student living 100+ miles away without the car, save 7% to 35%.
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Good Driver Discount: Keep a clean record or stay claim-free for a while and save 10% to 30%.
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Driver Education Discount: Took a driving course? You might get 2% to 3% off (though this one’s less common these days).
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Usage-Based Discount: Programs like Progressive’s Snapshot, Safeco’s Right Track, Travelers’ Intellidrive, or Allstate’s Drivewise could save you up to 30% based on how you drive.
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Mature Driver Discount: Complete a mature driving course and save 1% to 15%.
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Occupational Discount: Your profession might earn you 10% to 20% off.
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Organizational Discount: Some memberships can get you 2% to 20% off (varies by insurer).
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Married Discount: Tie the knot and save 10% to 20%.
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Homeowner Discount: Own a home (even if it’s insured elsewhere) and get 2% to 10% off.
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Safety Features Discount: Got anti-lock brakes or stability control? Save 4% to 40%.
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Passive Restraints Discount: Airbags or automatic seatbelts? That’s 2% to 40% off.
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Anti-Theft System Discount: Alarms, LoJack, or steering wheel locks can mean 5% to 25% savings.
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New Car Discount: Insuring a shiny new ride? Enjoy 5% to 20% off.
Auto Insurance Requirements in Dukedom
In TN, all drivers must have auto insurance that meets certain minimum coverage amounts. The required coverage includes Liability and Uninsured/Underinsured Motorist coverage.
Minimum Required Liability Coverage:
- $25,000 for Bodily Injury (per person)
- $50,000 for Bodily Injury (per accident involving multiple people)
- $25,000 for Property Damage (per accident)
- Financial Responsibility Law: Tennessee’s financial responsibility law requires drivers to be able to demonstrate financial responsibility in the event of an accident.
- Electronic Verification System: Tennessee uses an electronic insurance verification system to verify the insurance status of registered vehicles.
- SR-22 Insurance: Some high-risk drivers are required to maintain an SR-22 (certificate of financial responsibility) on file with the state.
- Penalties for Driving Without Insurance: Uninsured drivers in Tennessee will pay fines and risk losing their vehicle registration if they are unable to demonstrate proof of financial responsibility.
In Tennessee, “full coverage” insurance, which lenders often require when financing or leasing a vehicle, typically encompasses liability insurance (required by law) and comprehensive and collision coverage (optional).
It’s advisable to consider purchasing more than the minimum required coverage. While this may increase your monthly premiums, it provides better protection in the event of an accident.
Premiums for Minimum Coverage
The amount of coverage you select significantly influences your car insurance rates. In Dukedom, 29% of drivers only carry the state minimum required coverage. While this meets legal requirements, it may leave you underinsured.
Adding collision and comprehensive coverage (often referred to as “full coverage” when combined) will raise your rates but also enhance your financial security and peace of mind. These coverages typically require a deductible, which can affect your rates. Increasing your deductible can lower your monthly premium.
Additionally, consider optional coverages like roadside assistance or uninsured motorist coverage. Although these will increase your overall premiums, they are recommended by experts to ensure maximum protection.
By using our FREE tool below, you can get auto insurance quotes to quickly shop and compare the best rates available near you. On average, we help drivers save hundreds of dollars per year on car insurance premiums.
When you compare rates online, unlike many other auto insurance websites you may have come across, Freedom Insurance will NEVER sell or share your information.
Get Car Insurance Quotes From Top-Rated Carriers
When you get auto insurance quotes, you’ll want to save the most amount of money possible, however, you’ll also want to be sure that your coverage comes from a top-rated provider.
Here at Freedom Insurance Group, we’ve partnered with over 25 top-rated carriers who deliver protection you can trust, are financially sound, and provide a wide range of car insurance options to best suit your needs.
Fill out the form above to get auto insurance quotes that save you money and protect you when you need it the most.
How Freedom Insurance Helps You Find Cheap Auto Insurance Quotes
At Freedom Insurance, we believe in getting you the best rate possible for your auto policy. Here’s how we do it:
- When you fill out the form above to get an auto insurance quote, we quickly compare your personalized coverage needs among our top-rated partners to deliver you the lowest possible premium available.
- Our agents can help you get auto insurance quotes with personalized discounts and protection. This includes bundling your home and auto or renters and auto policies to maximize savings.
Your free online car insurance quote helps you receive an accurate snapshot of what you can expect to pay for your premium so that there are no surprises and you can make an informed decision about your carrier.
Drivers Receive Personalized Protection for Maximum Savings
Every vehicle and driver is unique. There are many auto insurance options available and depending on the protection you require, your premiums will vary based on coverage.
Accuracy is important when you receive a quote and at Freedom Insurance, we’re committed to providing quotes that reflect the protection you deserve at the rate you can expect.
When you get an auto insurance quote using the form above, our process can help you compare a variety of coverages such as collision, comprehensive, and of course, liability.
Our Five-Star Reviews Speak for Themselves
Comparing and saving is important but who you enroll with also matters. Freedom Insurance is proud to partner with only top-rated carriers who also deliver on customer service.
Furthermore, our team is there for you every step of the way and is proud to maintain a growing catalog of five-star reviews.
Our agents act as a liaison and an extra level of customer service for all of your needs.
Get auto insurance quotes from the form above with peace of mind knowing that if you do have to restore a loss, you won’t have to face it alone.
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