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| In the state of Tennessee, it is not requirement to drive a registered vehicle with valid insurance. You do however have to comply with the state financial responsibility law which essentially says that you can have your driver’s license suspended for a moving violation or accident resulting in a claim against you in excess of $50. Tennessee auto insurance is one way to comply with this law or you can post a bond or make a sufficient deposit that will cover the financial responsibility portion of the law. See the link for Tennessee under the State Departments of Insurance page of this website for more information. Getting cheap Tennessee car insurance is not very difficult since it is not required by law.
The best way to obtain an affordable Tennessee car insurance policy is to shop around. Coverage is readily available and not hard to get. The agents listed in out multi line insurance agent’s directory represent some of the top insurance companies selling policies in the state. These agents will be happy to give you a free car insurance quote for Tennessee right over the phone. They also specialize in writing other lines or types of insurance such as homeowners, renters, condo, motorcycle, boat and life insurance. Discount Tennessee insurance for automobiles will generally be the result if you combine multiple polices with the same insurance company. This is because most insurers offer reduced premiums for purchasing extra policies from them. This is usually referred to as a multi-policy discount. |
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Tennessee is no fault insurance state. Standard liability coverage is also mandatory. The state's standard liability coverage requirements are 25/50/15. That is $25,000 per individual for bodily injuries you cause to the other persons, and up to $50,000 for all, and $15,000 for damage you cause to the other party's personal property. Uninsured and underinsured motorist bodily injury coverages are also required and carry the same minimums, 25/50. Personal injury protection is also required. This coverage is the "no fault" section of your auto policy. Many states now also use credit as a rating tool and having good credit can mean a lower rate. Overall Rates are determined by the driving habits of the drivers within a state. Tennessee determines auto insurance rates based on driving record, age, area you live in, and the type of vehicle you drive. You may want to consider higher coverages than the state minimums. Tennessee auto insurance companies will also offers additional coverages like collision, comprehensive, and uninsured and underinsured motorist bodily injury coverage. Visit the Tennessee Department of Insurance for additional details at the Insurance Basics link on this site. |
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