 Most State's Department of Insurance suggest that consumers compare 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 quotes. By completing the following form, you can make your price 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 Car Insurance Rates |
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 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 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 carriers can pull your driving record if requested. |
| Tennessee Auto Insurance Law |
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| The state of Tennessee has a car 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 $15,000 PD liability coverage. | | The above liability coverage requirements are abbreviated as 25/50/15 |
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 protection 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, it's 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 also visit the Tennessee's Auto Insurance Commissioner's website to obtain more information. |