How Do I Get the Cheapest Car Insurance in Tennessee?

Tennessee state flagThe process of obtaining the most affordable coverage in the state of Tennessee is quite simple, but it does take a bit of effort and some smart shopping. There is a multitude of auto insurance companies that are available to provide automobile policies to Tennesseans; consumers just need to take the time to seek out the insurer that can offer the cheapest rate. Finding the best deal is most effectively done by obtaining and comparing quotes from as many carriers as one can.

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Shopping for Car Insurance in Tennessee

As a motorist sets out to purchase automobile policies, the first thing that must be taken into account is the amount of coverage that is needed prior to looking for the cheapest insurance available. Obviously, the most affordable protection is the minimum amount required by the state, but in many cases, this may not necessarily cover the needs of every individual. Therefore, one must evaluate risks that may need to be insured before seeking out the best rate.

The Tennessee auto insurance laws currently require a motorist to have policies consisting of minimum liability limits in the amounts of $25,000 for bodily injury to one person, $50,000 for bodily injury per accident and $15,000 for property damage - commonly referred to as 25/50/15. While this may seem like an adequate amount of coverage, in certain instances, these limits can be exceeded, and there are many risks that these policies will not cover. It is often suggested that motorists raise liability limits to 100/300/50, which may not cost much more than the minimum limits.

A wise choice for TN residents may be to purchase Uninsured/Underinsured motorist coverage. According to recent studies, the state is among the highest in the nation when it comes to the percentage of drivers that choose to operate without a car insurance policy in place. Contrary to what many may believe, this additional protection is very affordable, and, considering the fact that it is estimated that one in five vehicles in the state is uninsured, it may prove to be a smart investment.

Once the type of coverage needed has been determined, individuals should take the time to obtain and compare quotes from as many insurers as possible. As a person compares rates the issue of auto insurance discounts should be addressed. In some instances, a discount can yield savings of up to 20% and, in combination with other discounts, can reduce premiums significantly.

Yellow Tennessee road signAcquiring a policy at the most affordable price in the Volunteer State basically comes down to determining the needs of the motorists, shopping around and taking advantage of discounts. Fortunately for Tennesseans, the average cost of premiums in the state are well below the national average, and finding coverage at a reasonable rate should be achievable.