There are multiple factors that determine how much you pay for auto insurance at Benton White Insurance.  These factors range from your occupation to your vehicle type. For example, if you’re in the right age bracket, live in a low-risk area, and have a spotless driving record – you may be paying lower insurance rates than other drivers. However, if your circumstances make you pay high car insurance rates, here are some ways to get discounts with the many insurance companies we represent at Benton White Insurance!

1.  Multi-policy discounts:  The more policies you have with one company, the more that company discounts the policies that you have with them.  Insuring your home, auto, personal liability umbrella, personal articles, life insurance and more can yield discounts on EACH policy and in some cases that can be 20 to 25% in premium savings for you!

2. Multi-Car Discounts: All of our companies offer significant discounts if you insure more than one vehicle on the same insurance policy. It is common that families own more than one car.  If this is your case, you should ask your auto insurance company for a multi-car discount. If you have a teenage driver that you would like to insure, this type of discount is especially beneficial. To qualify for this discount you must meet the following requisites:

• Each vehicle must be insured under your name and can only be driven by other family members that live under the same roof, and yourself.
• All of your vehicles must be covered by the same insurance provider. If you have vehicles that are insured by other providers, you will have to cancel the policies and insure them under a single insurance company.

Sometimes a multiple vehicle discount can help you save as much as 15% on your current insurance premiums – so it pays to look into it if you own more than one vehicle!

3. Paid in Full Discounts: You can also save a lot of money by paying your auto insurance in full rather than in monthly installments. In most cases, this type of discount is offered immediately by your insurance provider (other types of discounts are not advertised and you generally have to inquire about them). This type of discount gets rid of the installment fees since you pay the full amount up-front. If you can afford to do this, it is one of the easiest and surest ways to pay less on your auto insurance.

4. Defensive Driving Course: This is a good way to get a nice discount on your auto insurance premiums.   In Tennessee, you can take this course online.  Becoming eligible for a defensive driver discount can help you become eligible for other additional discounts such as the safe driver discount or the accident free discount. Here is a listing of defensive driving courses offered in Tennessee.  https://www.tn.gov/safety/defensivedriving.shtml

Please let us know if you would like for us to shop around for you, so we can maximize discounts for you on your insurance.  We’re independent!  We write for many companies & can surely find the right fit for your budget & the coverage’s you need.  EMAIL info@BentonWhite.com or Call 615.377.1212.