Tennessee Car Insurance

No matter what state you reside in, you need some kind of insurance coverage on your vehicle before you even put the key in the ignition. Each state has its own requirements regarding minimum coverage. For example, in Tennessee, the requirements are defined as 25/50/10. This numeric formula means that you are required to cover bodily liability with $25,000 per person injured, $50,000 per automobile accident and $10,000 for property damage. The average cost of Tennessee car insurance based on estimates is approximately $67, however this figure can vary based on a number of factors.

These factors include how much coverage you get, your age, what kind of car you have and of course your driving history. Things like speeding tickets, DUI offenses and previous accidents can substantially raise your car insurance cost. Regardless of how much it will cost you, it is important that you carry at least the minimum liability coverage, because if you don't you can find yourself in serious trouble. If you are the cause of an accident and do not have insurance, you will have no way to cover the necessary costs and will be the brunt of an extremely expensive lawsuit that can ruin your life in more ways than one.

On the same subject, you should consider getting insured against underinsured and uninsured motorists. This type of coverage can be added to any policy and protects you if you are in an accident caused by another driver who either has no insurance or does not have enough to cover your damage and medical expenses. Even if you were to take this person to court and were awarded a settlement, it may be difficult to actually get the money from the individual if they do not have it. And if they don't have insurance, it is likely they cannot afford to pay the court ordered costs either.

If you have a new car with a lien on the title, you may be required to get what many people refer to as full coverage. There is no actual full coverage policy, this is just a phrase used to describe a policy that covers a variety of situations. This would include liability, collision coverage, comprehensive coverage, and underinsured/uninsured motorist coverage. Collision coverage protects you if you are in an auto accident that is your fault, while comprehensive coverage protects you if your car is damaged by a natural disaster, vandalized or stolen.

It is easy to find out how much you can expect to pay for Tennessee car insurance. The Internet has lots of forms and calculators for free quotes. All you need to do is fill out the form with accurate information, and you will be returned estimates based on the data. After reviewing a number of these free estimates, you should have an idea of which insurance company you would like to apply with.

You can also visit an insurance broker in your local area. They can also get a number of quotes from different insurance companies and advise you on who offers the best policy at the best price. And, they can get you insured on the same day you come in. Just be honest with your agent about what you can afford and what you need, and avoid any insurance agent who is pushy and tries to oversell. A good agent will answer your questions, educate you on the details of the policy you need and get you insured in a timely manner. You should be able to choose whether you want to pay your premiums monthly, semi annually or annually.

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