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Cheap Car Insurance in Murfreesboro, Tennessee

Locate cheap car insurance in Murfreesboro, the geographic center of Tennessee. Originally named Cannonsburg, the city was later renamed after Colonel Hardy Murfree. These days, most folks in the region just call it “The Boro.” An estimated 132,000 live within Murfreesboro’s 56 square miles. The city has been struck by destructive tornadoes, the latest of which killed two people and injured more than 40 others in 2009. With an enrollment of about 25,000, Middle Tennessee State University is the largest undergraduate university in the state. Nissan is the city’s largest employer.

Driving Conditions in Murfreesboro

Murfreesboro is only 34 miles from downtown Nashville via Interstate 24. Interstate 840 also passes through Murfreesboro as it forms a partial loop around the southern half of Nashville. The average commute time for Murfreesboro residents is 25 minutes, about a minute under both the average for the Nashville metro area as well as the U.S. average.

Traffic information is also dispersed through the Tennessee Department of Transportation’s Twitter account. Drivers can also access road and traveling conditions by calling 511, an automated voice response system through which callers can ask for specific roadways or regions.

Unique Laws in Murfreesboro

Murfreesboro ordinances do not allow more than four unrelated people to occupy a single family home. Noise ordinances ban playing a radio or music player on public or private property where the sound can be heard beyond the property line. In addition, residents also may not hold more than four garage sales per year.

Tennessee laws forbid anyone to stand on the roadway to solicit either a ride or employment from drivers. Also, if your car’s sound system can be heard 50 feet away, it is considered excessive noise. Shooting at game from your car also is illegal, as is using a lasso to catch a fish, sharing your Netflix password or failing to install a hitching post in front of your business. A vague law prohibits “crimes against nature,” and parents may not require children to pick up trash from the road on Easter Sunday.

Murfreesboro Crime Statistics

Data compiled by the Federal Bureau of Investigation for 2016 states there were 790 violent crimes in Murfreesboro, six of which were murder or manslaughter. The local violent crime rate of 609 offenses per 100,000 residents is above the average violent crime rate of 386 offenses per 100,000 in the U.S.

The property crime rate in Murfreesboro was 2,981 offenses per 100,000 residents, also above the U.S. average of 2,451 incidents per 100,000 residents.

Auto thefts, however, happen at a lower-than-average rate. Within the city, 198 vehicles were stolen in 2016, FBI data shows, a rate of 152 incidents per 100,000 residents. The national average is 236 incidents per 100,000 people.

Murfreesboro Safety Requirements

Texting while driving is illegal statewide and all drivers and passengers must wear seat belts, according to the Tennessee Department of Safety and Homeland Security. In addition, motorcyclists and their passengers must wear helmets that meet federal safety standards. Approved car seats are required for children up to age 3, and booster systems are required for those 4 to 8 years old who are under 4 feet, 9 inches tall. Infants under age 1 must ride in a rear-facing seat. Drivers must move over when possible while passing a stopped emergency vehicle with its lights engaged.

Murfreesboro Impaired Driving Laws

Tennessee drivers over age 21 with a blood or breath alcohol content, or BAC, of .08 are greater can be charged with driving under the influence. For minors under 21, the threshold is a BAC of .02. First-time offenders are subject to a $350 minimum fine and 48 hours in jail, plus paying for towing and storage. Charges are enhanced if the driver’s BAC is higher than the legal limit or if children in the car at the time of arrest. Note that open alcohol containers anywhere in the car are illegal, according to the Tennessee Department of Safety and Homeland Security. Contact us to compare rates for cheap auto insurance in Murfreesboro.

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    Chase Henderson

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    640 Broadmor Blvd Ste 100
    Murfreesboro, TN 37129

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  • Robert Queener

    567 Cason Lanesuite D
    Murfreesboro, TN 37128

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    Very poor customer service. Originally I spent about an hour setting up an insurance policy only to have them call me back the next day and tell me that the policy would cost more due to a mistake on their part. It was a clear bait and switch tactic, but at the time I was not paying attention and accepted the policy change. I should have known right there what type of operation I was working with.

    Actually getting in touch with anyone is hard enough. It seems every time I would call I got their voice mail. Any trying to make a change to a policy was like pulling teeth. I was never treated like a respected customer even though I made it a point to be very polite over the phone..

    The final straw was when I accidentally let my policy lapse because I was preoccupied with a relative in the final stages of cancer. I called to see if I could could possibly have the reinstatement charge removed or have a refund so I could get a policy with another company. The secretary that I spoke with was very rude about the charge and gave the impression that I was dumb for letting the policy lapse. She seem very perturbed that I had missed her calls, unfortunately I had more pressing matters to attend to. Shelter clearly states that it is up to the agent weather or not reinstatement fees will be charged. This agent made it very clear that they care more about money than the customer.

    If you go to Bobby to get insurance prepare to deal with some horrible customer service. After all I had to go through the real kicker was that I was getting grossly overcharged on insurance. My new policy with a different company is 25% less than what I was originally paying.

  • The Newport Agency

    1511 Memorial Blvd
    Murfreesboro, TN 37129

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    Staff is always incredibly helpful. They will find you the best deal on insurance and really take into consideration your needs. No sales pitch here. Helpful with processing claims too.

  • Patrick H Carpenter

    567 Cason Ln Ste F
    Murfreesboro, TN 37128

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    I’ve been with Patrick Carpenter’s agency for about 3 years now and had nothing less than exceptional service. Patrick and his employees have worked with me in every way they possibly could. I have a very high monthly insurance premium and Patrick was able to meet my needs and give me the lowest policy in comparison to competitors. Even though he already had the competition beat, in the last 5 months Patrick and Daniel (his 2nd in command) have lowered my insurance premium by over $100/month!! I could not be happier – the Carpenter Agency deserves more than 5 stars.

    I’ve been with Patrick for 5-6 years now and am extremely happy. When I’ve gone to search for better rates, the cheapest ones I’ve found are only $1-2 less per month than the insurance I have with him. He’s always helpful and I’ve never had issue number one!

    I’m happy I found Patrick’s office and I highly recommend that you call him.

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Dig you know

Swapping your high heels for a pair of driving shoes can help you qualify for affordable car insurance by avoiding accidents and getting "safer driver" discounts.

Safety Tip

It's easier to get discounted car insurance with a car that has a high safety rating than one without one.

Savings Tip

When you are looking for car insurance, ask if the insurance company offers a policy where they forgive the first accident.

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