Cheap Car Insurance in Tennessee, How Do You Find It?

If you live in Tennessee and need affordable car insurance, there are several ways to find a good rate. Online shopping, comparison of major companies, and discount auto insurance brokers are able to give you competitive rates for your policy.

Tennessee law does not require you to have insurance to register your vehicle. However, Tennessee operates on the tort law process, which means that if you are uninsured and you are involved in an accident, you can be sued for the entire amount of the damages, which can be significant. In order to protect yourself and your assets, it is important to have reliable insurance coverage.

The average cost of a policy in Tennessee is estimated to be $666.22, an increase of 2.4% over the past few years. This estimate includes $309.11 for collision insurance, $361.80 for liability, and $128.49 for comprehensive coverage. If you have an older vehicle and are a safe driver, you may not need comprehensive insurance, which covers you for events other than a car accident, or collision, which repairs damage to your car if you cause the wreck. However, you must consider the cost of fixing the damage yourself before deciding not to take out this coverage.

Finding a reasonable rate should be simple, but the variety of choices available can confuse you and leave you wondering why there is such a disparity in pricing. Online shopping in particular has created many options for potential purchasers, and it is not always easy to tell which deal is best for you.

As you search online for competitive rates, keep in mind that you should choose a policy that meets your needs and has a high liability limit. Many online advertisements do not point out that the low rates they quote include minimum coverage or high deductibles. Since tort law applies in Tennessee, it is important to have enough coverage to pay for any damages you might cause in an accident, or you may be required to pay the difference yourself.

Once you have narrowed your choices based on similar coverage, you can also compare the prices offered by major companies with agency offices. Simply calling these offices will give you a quote for your insurance. Be sure to be specific about which coverage you want and your former driving record. If you have a good record, you should expect to pay less for your policy.

Finally, many “discount” brokers advertise on television and the internet with competitive auto insurance rates. You should be cautious and read the proposal carefully, as many of these companies cut costs by cutting services. However, if you are comfortable operating without a personal agent, and you can handle online management of your account, minimum coverage options may be cheaper with these firms.

Finding affordable insurance takes a bit of research, and you should never be afraid to ask questions. If one company advertises a rate that is much lower than similar companies, you should beware. Ask about liability limits and other factors that may affect cost. Also, be sure to determine if the rate is an “introductory” rate, which will rise after a certain period of time.

Leave a Reply