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Tennessee Auto Insurance

Tennessee auto insurance is something that practically every car owner in the state needs to have. However, shopping for auto insurance in TN is not something that people look forward to because it has traditionally taken so much time and work to find the best policy. This is not true anymore. The Internet and online quote tools have made finding Tennessee car insurance quotes a breeze.

Tennessee Auto Insurance Requirements

Tennessee is one of the states that does not require auto insurance, but instead requires proof of financial responsibility. This means that a car owner must make a deposit or bond with the state’s safety department. The department then issues proof that you have done so.

The alternative is having car insurance, which is the route most people go because they cannot afford to have money tied up in case of an accident. If you choose car insurance for your proof of financial responsibility, the minimum that the state requires is 25/50/10, which means:

  1. $25,000 bodily injury liability coverage per person per accident
  2. $50,000 bodily injury liability coverage total per accident
  3. $10,000 property damage liability per accident

These limits are most likely insufficient to cover the costs that you would incur if you were involved in a serious accident. Therefore, it is in the best interest of you and your family to consider raising these limits by at least 4 times the amounts required.

Keep in mind that this is only liability insurance. If you were involved in an at-fault accident or if your vehicle were damaged in some other way, its repair costs would not be covered. Carrying collision and comprehensive insurance coverage will cover these types of situations. In addition, if your car is financed, most lenders will require you to carry both types of coverage.

Tennessee Auto Insurance Rates

Rates are determined by auto insurance companies, by taking a variety of factors into consideration. Each company weighs things a little differently, so you must still shop around for the best price for you and your needs. The factors insurers use when determining Tennessee auto insurance rates include:

  1. Where you live
  2. What kind of car you drive
  3. Your driving record
  4. Your credit score
  5. Your claims history
  6. How many miles you put on your car annually
  7. What you use your car for, whether it is for business or pleasure
  8. Your age
  9. Prior insurance information
  10. Your marital status

Tennessee Auto Insurance Discounts

When looking for Tennessee auto insurance, you need to keep in mind that in addition to factors used to calculate rates, all companies offer discounts on premiums also. These discounts are based on clients meeting certain criteria and can give you much greater savings on your yearly insurance cost. You can earn discounts for the following:

  • Insuring multiple cars with the same company
  • Having more than one line of insurance with the same company
  • Belonging to certain groups
  • Being a safe driver
  • Having all drivers in the house over a certain age
  • Having anti-theft devices and other safety features on your car
  • Having a good student as a driver
  • Doing driver education courses as necessary

Tennessee Auto Insurance Companies

In Tennessee, there is an abundance of auto insurance companies, like in most parts of America. Some of the companies you will find in TN include:

  • AIG
  • Nationwide
  • GEICO
  • Travelers Indemnity
  • Farmers
  • Allstate
  • Hanover
  • American Independent
  • National General
  • State Farm
  • Esurance
  • Progressive

Before you invest in a new TN auto insurance policy, be sure to fully investigate the company you are planning to use. Find out their rating with one of the independent insurance ratings companies. This will tell you if they are financially sound or not. Do an online search to learn about their customer service too.

Tennessee Auto Insurance Quotes

Getting a Tennessee auto insurance quote is quick, easy and hassle-free if you use an online quote tool like the one at the top of this page. These free tools are available 24/7 and require very little of your time. You simply answer the questions about you, your car and any other drivers and in no time you will get multiple quotes to choose from.

Get your Tennessee car insurance quote today by simply returning to the top of this page and entering your zip code to start.

What are you waiting for? Get started saving some money on your Tennessee car insurance today!

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