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Best Cheap Auto Insurance in Memphis 38115

Looking for cheap auto insurance in Memphis? Auto Insurance Center will provide you with the best cheap auto insurance quotes.

Located in the southwest corner of Tennessee, Memphis is known for barbecue, the birthplace of rock, Graceland and being the headquarters of FedEx.

First inhabited by various indigenous tribes, the Memphis region was home to the Chickasaw tribe when European explorers arrived in the 16th century. The area was attractive because of its proximity to the Mississippi River.

Hernando DeSoto came to the region in 1541 and claimed the land for Spain. For the next 200 years, the land would change ownership among Spain, France and England.

Although Tennessee was admitted to the Union in 1796, Memphis would not be incorporated until 1826. In 1818, the Chickasaw tribe sold the land to the federal government.

Memphis was founded in 1819 by John Overton, James Winchester and Andrew Jackson. The name “Memphis” roughly translates into “place of good abode” and was named after the ancient capital of Egypt.

Memphis’ economy grew in the 1840s and 1850s thanks to the cotton crop. Memphis was home to 70 Confederate companies during the Civil War and was the location of a battle in 1862, where the Union Navy defeated Confederate gunboats.

Memphis suffered from extensive yellow fever epidemics during the late 1800s because of frequent flooding and lack of sanitation in the city.

During WWII, Memphis served as a large supply depot for the Army and Air Force. During the next 20 years, Memphis grew into a music town, with the development of blues on Beale Street. Memphis was also the home of Elvis Presley.

Top Memphis attractions include: National Civil Rights Museum–Lorraine Motel, Stax Museum of American Soul Music, Graceland, Beale Street, Sun Studio, Memphis Rock ‘n’ Soul Museum and Mud Island River Park.

Memphis is home to one professional team, Grizzlies (NBA). The city is also home to the Triple A affiliate of the St. Louis Cardinals (MLB), Memphis Redbirds. In June, the PGA Tour hosts the FedEx St. Jude Classic golf tournament.

Insurance Discounts in Memphis

In Tennessee, completing driver training/courses can earn you auto insurance discounts.

Common insurance discounts from car insurance companies include:

  • Good student
  • Multi-car
  • Multiple policy
  • Automatic payment
  • Bundling auto with homeowners or renters
  • Paid-in-full

Remember the best way to save money with auto insurance is to keep a clean driving record.

Driving Conditions in Memphis

Memphis is classified as a humid subtropical climate. The annual high temperature is 72.4 degrees while the annual low temperature is 53.6 degrees. The summers are hot and humid, with frequent evening thunderstorms. Winters vary from mild to chilly temperatures. Snowfall varies in Memphis, with the average amount of snowfall reaching 3.9 inches.

Severe weather is also frequent in the region, producing hail, strong winds, flooding and in some cases, tornadoes. Be sure to check weather and traffic reports before traveling.

Crime Statistics

According to the 2015 Crime in the United States report, Tennessee had 193,796 accounts of property crime and 12,870 accounts of vehicle theft.

Tennessee Driver’s License

As a legal resident of Tennessee, you’ll need to obtain a Tennessee driver’s license. Those with a valid out-of-state license will be required to pay an application fee and pass a vision screening.

When you visit the DMV, bring your valid out-of-state license, proof of U.S. residency (birth certificate, passport, etc.), proof of Tennessee residency and proof of your Social Security number.

Seat Belt Laws

In Tennessee, drivers and all passengers are required to wear seat belts at all times when in a moving vehicle.

All child passengers through the age 8 must be secured in a child-restraint device.

Cell Phone & Texting Laws

In Tennessee, there is no handheld ban, however drivers with learner permits are not allowed to use handheld devices while driving.

Tennessee law prohibits texting while driving.

Odd Law

In Tennessee, shooting at game from your car is illegal.

You would be surprised how much insurance rates can vary zip code to zip code even if the zip codes are within the same metropolitan area. This can be for various reasons including higher or lower crime rates in a specific zip code area, accident statistics in that zip code, traffic density in different parts of the city, and even different weather conditions depending on what part of the metro area you are in. This can become even more interesting if you live on the border of a different zip code yet your are paying more for insurance than you would if you lived right across the street. While some people will use this to their advantage and give their insurance company a different address than their actual address to save some money it is not advisable as this may be seen as a form of fraud. 

To find out what your auto insurance rates will be for you zip code either fill out the quick quote form above or call one or more of the local agents below. It is best to call more than one to get them to compete for your business so that you can get the cheapest rates possible. Many people would rather avoid this effort because its more work but its one of the best ways to get cheap auto insurance quotes.

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