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Memphis, Tennessee is famous for being home to Graceland, the house Elvis Presley lived in. Not only did Elvis love the grandeur of his ample estate he, like many residents of this state, loved nice cars. Although most people who reside in Memphis don’t have unlimited financial resources like Elvis, they do need car insurance. Finding cheap car insurance in Memphis, Tennessee just takes some research and a little insight into what insurance companies are looking for.
Car theft is a problem that plagues every major city in the country and Memphis, Tennessee is no different. On average, close to 8,000 vehicles each year are stolen. Some cars and trucks are simply more appealing to thieves and if you happen to drive one, you can expect that fact to be reflected in your car insurance rates. A good rule of thumb for everyone to follow is to inquire about probable insurance rates before buying a new vehicle. If you find out that the monthly premiums are as much as your car loan payments would be, you may want to rethink the type of vehicle you’ll be driving in the future.
Having more than one car on a policy can yield a cheaper insurance rate as well. If you and your roommate or partner each has a car and you are using different insurers, ask each of the companies for a quote to insure both vehicles. You’ll likely be pleasantly surprised by the cheaper car insurance rates and you can split the savings between the two of you. This also works well for adult children who are still living at home with their parents, and even young adults who are old enough to drive and living with a grandparent or aunt or uncle. Each insurance company differs regarding this type of combined policy but it’s certainly worth the trouble to inquire about it.