Brentwood Car Insurance

Your Complete Guide to Brentwood, TN Car Insurance

Find the right car insurance policy for you.

Brentwood is a suburb of Nashville, and like Nashville, it has experienced tremendous growth in recent years. Drivers in and around Nashville know that the roads can become busy and congested at any time. Unfortunately, busy highways also lead to a lot of accidents. With a reliable car insurance policy, you can have peace of mind when you are driving in Brentwood. 

Car insurance protects you from the costs of auto accidents that you cause. And certain policy options can also protect you if your car is damaged by falling objects, theft, or vandalism. Car insurance can sometimes be confusing, but a local independent insurance agent can help you find the best policy for your needs and budget. 

Tennessee Car Insurance Requirements

If you own a vehicle in Tennessee, you are required to purchase auto insurance. Each state has certain minimum requirements for auto insurance. In Tennessee, you must have the following coverage in order to comply with the law: 

  • Bodily injury liability: Required
  • Property damage liability: Required
  • Personal injury protection (PIP): Not required
  • Uninsured motorist coverage: Not required
  • Minimum liability limits: 25/50/15; coverage up to $50,000 for all persons injured in an accident, subject to a limit of $25,000 for one individual; and $15,000 coverage for property damage

While this may seem like great coverage, a minimum-coverage policy may leave you seriously underinsured. If you cause a major collision, you will have to pay out-of-pocket for all of the expenses that exceed your coverage limits. These expenses can include medical bills for other drivers and passengers, vehicle repair costs, and even attorney fees and settlements or judgments levied against you if you are sued for negligence. 

That is why many Brentwood drivers purchase liability coverage limits that are higher than the state requirement. If you want even more liability protection, you can purchase umbrella insurance, which offers protection beyond the limits of your auto insurance policy. An independent agent can help determine how much liability coverage is necessary to adequately protect your family and you. 

How Much Does Auto Insurance Cost in Brentwood, TN?

Tennessee is the 24th most expensive state for car insurance, and rates in Brentwood are even lower than the state average. You can shop around for the best rates and take advantage of discounts to save even more.

  • National average annual car insurance cost: $1,311
  • Tennessee average annual car insurance cost: $1,263
  • Brentwood average annual car insurance cost: $982

Every insurance company charges somewhat different rates, and you definitely won’t pay the same as your neighbor. Car insurance rates are based on your individual characteristics that help the insurance company determine how likely you are to file a claim. Insurance companies evaluate the year, make, and model of your car, as well as personal characteristics about you, like your age, gender, and marital status. Other factors play a role, too, such as:

  • Your credit score
  • The deductibles and coverage limits that you choose
  • Whether you own or rent your home
  • The auto theft rates in your city or ZIP code

Independent insurance agents in Brentwood make comparison shopping easy. An independent agent can obtain quotes from multiple insurance carriers, so you can compare costs and coverage and make the best choice for your needs. 

Number of Uninsured Motorists in Tennessee 

Driving without insurance is against the law in Tennessee, yet many drivers continue to drive without coverage. 

  • How many US drivers are uninsured? 12.6%
  • How many Tennessee drivers are uninsured? 20%

Uninsured motorist coverage is one of the few ways that you can protect yourself. It provides immediate reimbursement for your vehicle damage and medical expenses if you are in an accident that is caused by an uninsured, underinsured, or hit-and-run driver. Your insurance company will attempt to collect the funds from the at-fault driver—a time-consuming and often unsuccessful process. If they cannot collect, the insurance company absorbs the costs, instead of you. 

Number of Auto Thefts in Tennessee

The auto theft rate across the state of Tennessee is lower than the national average. Brentwood has a very low auto theft rate, which helps to keep auto insurance very affordable.

  • National auto theft rate per 1,000 vehicles: 2.94
  • Tennessee auto theft rate per 1,000 vehicles: 2.27
  • Brentwood auto theft rate per 1,000 vehicles: 0.26

While your city is safe, you can’t ignore the threat of car theft. You should always lock your car and park in safe, well-lit places, but you may still be a victim no matter how careful you are. If your car is stolen or vandalized in Brentwood or elsewhere, your comprehensive coverage will reimburse you for your lost or damaged car. It also helps you pay if falling objects, floods, structure fires, or other hazards cause damage to your car. If you have a car loan, you’ll probably be required to purchase comprehensive coverage until your loan is paid in full. Talk to a local independent insurance agent about comprehensive coverage, and how it can help you in a variety of unfortunate situations. 

Why Contact an Independent Insurance Agent?

Independent insurance agents are insurance professionals who can explain your coverage options, answer your questions, and provide you with customized car insurance quotes from multiple insurance companies. With the help of an independent agent, you can make an informed choice. 

Start your search by contacting an independent agent in Brentwood.

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http://www.naic.org/prod_serv/AUT-PB-14.pdf
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