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On average, Tennessee drivers pay $1,263 per year for car insurance. This is lower than the national average of $1,311 per year. As a vehicle owner in Tennessee, you can find the best rates by comparison shopping. Independent insurance agents can help by getting customized quotes from multiple insurance companies for you. That way, you can be sure you are getting the coverage you need at a competitive price.
Accidents can happen in the blink of an eye. If you are involved in a crash, here are a few of the ways that your Tennessee auto insurance can help.
Like most states, Tennessee requires all drivers to have liability insurance coverage in an amount that meets or exceeds the state’s minimum requirements. These mandatory limits ensure that drivers are prepared to pay for other people’s property damage and medical bills if they cause an accident.
The driver who caused the accident is responsible for paying for your damage and injuries.
Despite laws that require car insurance in Tennessee, about one out of five drivers you are sharing the roads with is driving an uninsured vehicle. These drivers have no financial backup plan for accidents, and are unlikely to be able to pay for the resultant damage if they cause an accident.
Fortunately, by including uninsured motorist coverage in your auto policy, you can have peace of mind and the protection you need if an uninsured driver hits you. This optional coverage pays for your vehicle repairs and medical expenses if you are in an accident and the at-fault driver is uninsured or underinsured. Your insurance company will then assume the responsibility of trying to collect the money owed from the at-fault driver.
Yes! There are currently 366 Trusted Choice agents in Tennessee who are ready to help. Did you know that independent insurance agents can work with several different insurance providers to find you the best rate for auto coverage? That way, you can buy a policy that meets all your coverage needs at a price you can afford.
National average time spent commuting 26.9 Min
National average car thefts per 1,000 2.3 Year
National average car insurance cost $1,311 Year
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