Tennessee Car Insurance
Car insurance is the law in Tennessee. Minimum liability insurance limits are $25,000 per person, $50,000 per accident for bodily injuries and $25,000 minimum coverage for property damage. Drivers can purchase higher liability amounts for significantly more coverage, which is a good idea. A serious accident can cause hundreds of thousands of dollars in damage.
Keep Your Car Insurance Current
It is very important that Tennessee drivers do not allow their auto insurance policy to lapse. Drivers without insurance in Tennessee may be forced to pay fines, comply with state financial responsibility laws and purchase expensive SR–22 Insurance. They can also be held personally responsible for all damages caused in an accident. Driving without car insurance in Tennessee is fiscally irresponsible and can lead to financial ruin.
Optional Insurance Coverage
There are a variety of other types of auto insurance coverage that are important. Tennessee drivers are not required to purchase Personal Injury Protection (“PIP”) or Uninsured/Underinsured Motorist (“UIM”) coverage but they should. PIP pays for medical bills, lost wages, household services, and funeral expenses following an accident regardless of fault.
UIM coverage pays claims up to the UIM limits in the event the at fault driver does not have insurance or does not have a sufficient amount of insurance limits for the damages caused in an accident. These coverage types can make a big difference in the event you are in an accident.
Collision and Comprehensive Coverage
Other important insurance coverage types in Tennessee include Collision and Comprehensive coverage. Collision pays for vehicle repairs or vehicle replacement value following a collision regardless of fault. Comprehensive coverage pays for all vehicle repair damage or replacement value for incidents other than a collision such as the car being stolen or a tree falling on a car.
There are minimum deductible limits for collision and comprehensive, but Tennessee drivers can also raise their deductible amounts to lower their premiums. While the law does not require collision and comprehensive coverage in Tennessee, many lending institutions require vehicle owners to purchase and maintain these form of coverage.
Save With BestCarInsuranceCompanies.net
Drivers in Tennessee have dozens of insurance companies to choose from. National insurers such as Progressive, Liberty Mutual, Allstate, and Nationwide all sell auto insurance in Tennessee. Whether you live in Nashville, Knoxville, Chattanooga, or Memphis, use BestCarInsuranceCompanies.net to get low cost Tennessee car insurance. Just enter your zip code to get started and you could be on your way to saving hundreds of dollars a year on your auto insurance.