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Tennessee car insurance laws
Tennessee is considered a tort state, which means that as a resident you're financially responsible for the damage and injury you cause in an auto accident. To drive a car in Tennessee, you're required to show proof of your financial responsibility.
Most drivers opt to show responsibility (and protect themselves!) by purchasing Tennessee car insurance.
Tennessee auto liability minimums are 25/50/10. (That's $25,000 per person for injuries you cause to the other party, up to $50,000 for all, and $10,000 for damage you cause to the other party's property.)
Of course, these are low minimums, and you should consider higher levels of coverage, particularly if you have assets to protect.
Tennessee auto insurance companies will also offer optional coverages such as medical payments, collision, comprehensive, and uninsured and underinsured motorists coverage.
You may want to consider purchasing any or all of these policies, particularly uninsured and underinsured motorist coverages. These two policies help cover the cost of your injuries and property damage should you be struck by a driver with inadequate liability insurance.
Sidebar If you are a Tennessee resident, you may be able to save on your premium by visiting Electric Insurance. Their policies are available only to those drivers whose credit and driving records could be described as being at least good.
For better or for worse, the price of Tennessee auto insurance is decided by the behavior of the state's drivers as a whole. Tennessee auto insurance companies take the cost of insuring Tennessee drivers (this includes settlements and legal fees) and divide it up among the drivers.
But these costs aren't spread around evenly. Instead, the percentage you pay is decided by things like your driving record, your age, where you live, and the kind of car you drive.
Of course, not all insurance companies compute their figures in the same manner. So they'll charge different rates on the same driver.
What this means for you as a driver, is that you need to shop the different rates (and they'll be very different!) for the best deal. It's the fastest easiest way to save on an Tennessee auto insurance policy.
Fortunately, shopping around is easy to do online.
Where you can get Tennessee auto insurance quotes.
The following web sites will help you find Tennessee car insurance quotes: (these links will open in a new window)
ComparisonMarket is the best online insurance shopping service, and the place where you're likely to get the best coverage for the least money.
This wrebsite provides general information for educational purposes only and is not intended to be legal advice. We make no guarantees as to the validity of the information presented. Your particular facts and circumstances, and changes in the law, must be considered when applying insurance law. You should always consult with a competent auto insurance professional licensed in your state with respect to your particular situation.