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Tennessee Auto Insurance

Tennessee auto insurance protects you from financial obligation in case of an accident. It's a vital protection you really can't afford to do without.

And InsureMe wants to help! We'll go behind the scenes to find you competing Tennessee auto insurance quotes and information…so you can prepare now for the unexpected.

Life tends to throw a curve when you least expect it. Be prepared with the affordable, comprehensive Tennessee auto insurance coverage you need. Contact InsureMe today for your five free quotes!

Learning about Tennessee Auto Insurance

Tennessee does not require its drivers to purchase auto insurance. However, you must be prepared to show proof of financial responsibility, or ability to cover resulting costs, if you're involved in a moving violation or accident.

Since most residents cannot do so without Tennessee auto insurance, this purchase comes highly recommended by your state's Department of Insurance.

If you do decide to purchase Tennessee auto insurance, look for the following minimum liability coverage:

  • $25,000 bodily injury per person
  • $50,000 bodily injury per accident
  • $10,000 property damage

Accidents happen every day all across the U.S. Many times, the costs from auto repair and personal injury run into the thousands of dollars. Purchasing more than these minimum limits of Tennessee auto insurance protects you from financial stress and debt that can occur when you're placed in such an unexpected situation.

Additional Protections

Because liability insurance covers only other drivers and the damage they incur, you may also want to consider buying uninsured/underinsured motorist and collision insurance to protect yourself and your own automobile against injury and damage.

Talk to a licensed Tennessee auto insurance agent to determine if you need this type of Tennessee auto insurance coverage.

Frequently Asked Questions

At InsureMe, we know the subject of Tennessee auto insurance can be confusing. So we've compiled some typical questions to help you understand it better.

For further explanations about Tennessee auto insurance, contact a knowledgeable Tennessee auto insurance agent, or call the Tennessee Department of Insurance at 615-741-2241.

  1. "What affects my auto insurance rates?"

A number of factors come into play. Your age, the make and model of your car, your driving record, how you use your car, where you keep and drive it and your credit rating all affect your insurance rates.

  1. "How do Tennessee auto insurance companies determine rates?"

Insurance companies use statistical history to determine your insurance rates. They base rates on the amount they need to pay all claims and the cost of doing business.

  1. "What is actual cash value vs. replacement cost coverage?"

All auto policies are written for actual cash value. This is the amount it would cost your Tennessee auto insurance company to replace your vehicle, minus depreciation based on your car's age. Replacement cost coverage, which you may purchase on your home, pays you for the total cost without a deduction for depreciation.

  1. "What is a deductible?"

A deductible is the claim amount you must pay, according to your Tennessee auto insurance policy, before your insurer picks up the remainder of the bill. For instance, if your claim is $2,000 and your deductible is $500, you pay $500 and then your insurer pays the remaining $1,500.

  1. "Can my Tennessee auto insurance company refuse to renew my policy if I have too many claims?"

Yes—even if you have just one claim. However, it must give you 30 days noticeand cite its reason for nonrenewal in writing.

  1. "Can my insurance company cancel my auto policy? Why?"

Yes. If you don't pay your premium or your license is suspended or revoked during the term of your Tennessee auto insurance policy, your insurer may cancel your policy.

  1. "If I loan my car to someone and they have an accident, will my insurance company cover the damage?"

Yes. Generally, anyone you give permission to use your car is covered under your policy—and any damages sustained while they are driving are covered under your Tennessee auto insurance policy.

  1. "Can a finance company take out auto insurance on my car and charge me for it?"

Yes. If your loan requires you to carry comprehensive and collision coverage and you don't purchase it on your own, your lending institution can obtain a policy to protect its own interest in your vehicle. However, these policies often do not contain liability coverage, so you are still financially responsible for others'  damages and injuries under this type of policy.

Protect Yourself!

Competitively priced Tennessee auto insurance quotes mean you get the protection you need at the best price available.

Don't get caught off-guard. Submit your information and protect yourself today with quotes from some of Tennessee's leading insurers.

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