 Most State's Department of Insurance suggest that consumers compare auto
insurance rates in order to find out which company will offer them the lowest
rates. Tennessee residents can take advantage of OnlineAutoInsurance.com's free
online auto insurance quotes. By completing the following form, you can make
your auto insurance comparison from multiple companies instantly and easily.
It's absolutely free and there is no obligation to buy car insurance online.
| Factors that determine Tennessee Auto Insurance
Rates |
 Your car insurance rates are based on the information you provide.
Factors like driver information (age, sex, marital status and driving record
history), vehicle information (year, make, model, safety features, garaging
address) and a few others are used by the auto insurance companies in order to
determine your rates. That is why it is very important to provide accurate
information in order to avoid an increase in premium once the underwriting
process is completed. If you do not know what violations are left on your
driving record, most insurance carriers can pull your driving record if
requested. |
| Tennessee Auto Insurance Law |
| The state of Tennessee has an auto insurance law in force requiring
vehicles to have at least liability coverage with the
following minimums: |
| Liability Coverage - |
Bodily Injury (BI) - Pays for bodily
and related injuries caused to others which you are liable for as a
result of an at fault automobile accident. Tennessee requires you to
have at least $25,000 BI coverage per person and $50,000 BI as a total per
accident. |
| Property Damage (PD) - Pays for
other's property damages you are liable for as a result of an at fault
automobile accident up to policy limits. Tennessee requires at least
$10,000 PD liability coverage. |
| The above liability coverage requirements
are abbreviated as 25/50/10 |
Although insuring your vehicle with the minimum requirements will satisfy the law, when getting
quotes, you should request different coverage in order to see what additional
coverage is within your budget. You can even keep liability coverage only and
raise the limits. The last thing you want to happen is for your coverage to be
insufficient to cover all caused damages. This leaves you owing the
balance and can lead to lawsuits and a bad situation. You'll be surprised to see some coverage
is quite inexpensive, quote it all, its free and there's no obligations to
purchase your policy.
Also remember that if you only purchase the
minimum law requirements, there is no coverage for your vehicle in case of an
at-fault accident or theft of your automobile.
You may alto visit the
Tennessee's Auto
Insurance Commissioner's website to obtain more information. |
