Tennessee is one of the best places in the U.S. to own a car. It is one of the cheapest states in terms of the standard of living, car thefts, and the weather is quite moderate. Hence the car insurance quotes in Tennessee moderate too. The car insurance quotes in Tennessee are lower than the national average by $100. But according to us, we feel you can still get a better deal.

The state of Tennessee once used to be very lenient when it came to uninsured driving. And because of this leniency, 1 out of 5 drivers didn’t abide by the insurance laws that were mandatory. Only a few years back, new laws came into being which helped get down the number of uninsured drivers.

Today, one could expect to pay a fine of a minimum of $300 and their vehicle being towed by the local police department’s discretion if caught without insurance. Offenders caught more than once have to pay higher fines. Their vehicle registrations could also be suspended which can be reinstated later after paying $300 as a reinstatement fee.

Minimum Liability Car Insurance Quotes in Tennessee

I have mentioned below the minimum liability auto insurance required by law in Tennessee:

  • $25,000 bodily injury coverage per person
  • $50,000 body injury coverage per accident
  • $15,000 property damage coverage per accident

However, there are no compulsions for you to have these minimums. If someone gets seriously hurt in an accident where you are involved, $25,000 would be spent easily and you may have to pay more from your pocket. Since the minimum requirements are pretty standard, we can easily help you to choose the best auto insurance quotes in Tennessee from the best car insurance companies online.

Along with the state in which you plan to insure your car, there are many other important factors. Some of the important factors are the details of your car including the age, make, model and car safety features. Other important details include your personal details. Finally the number and amount of coverage options and the number of vehicles you insure impact the final insurance premium amount.

Types of Insurance Coverage that Affect Auto Insurance Quotes in Tennessee

As we saw above, in addition to the minimum liability, there are other insurance coverage options. The options will increase the auto insurance quote in Tennessee but many are advisable. Try and buy comprehensive and collision coverage. The collision coverage will help you cover your car repair expenses if you meet with an accident, and the comprehensive coverage will cover you for any mishaps that happen that are not accident related like natural disasters and theft. 

There is a growing number of uninsured drivers in Tennessee. Hence it is better to buy uninsured motorist insurance also. If you don’t opt for it, you will land up paying for damages when you were not at fault at all if you meet with an accident with an uninsured or underinsured motorist.

The same goes for underinsured motorist insurance. Sometimes, the minimum liability amount is not sufficient. Also, in instances where the insurer of the driver at-fault will not cover the entire cost for the accident, the underinsured motorist insurance option will pick up the difference.

Vehicle protection should also be on your mind when looking for auto insurance in Tennessee even if it is not mandatory by law. Collision coverage covers you for damages that could happen to your car where the accident involves another driver, irrespective of who was at fault. And comprehensive coverage covers you for damages which happen due to natural disasters, wildlife collisions, theft, and vandalism.

Finally, make sure that your insurer has a good rating from NAIC (national association of insurance commissioners) before you finalize on the auto insurance. NAIC gives unbiased ratings and reviews on the various auto insurance companies in the country.

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