Cookeville Car Insurance

Your Complete Guide to Cookeville, TN Car Insurance

Find the right car insurance policy for you.

Car accidents can cause tremendous stress and financial burdens for everyone involved. And even the most careful drivers are not immune. Whether you are traveling on I-40 or a quiet residential street, accidents from minor fender benders to multi-car pileups can and do happen in Cookeville. Tennessee law requires all vehicle owners in the state to have at least a minimum amount of liability coverage in case they cause an accident. 

A reliable auto insurance policy with appropriate coverage will prevent an accident from causing a large financial loss. A local independent insurance agent can help take the confusion out of car insurance. Your agent can explain your options, obtain multiple quotes for comparison, and help you make the right choice. 

Tennessee Car Insurance Requirements

If you own a vehicle in Tennessee, you are required to purchase auto insurance. But this isn’t the only reason to have car insurance. Without it, you are entirely unprotected from the financial consequences of causing a crash. The following are the minimum coverage requirements for Tennessee drivers:

  • 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

If you only purchase the minimum liability coverage you could be seriously underinsured. Major collisions often include paying medical bills for your passengers or other drivers, vehicle repair costs, and even attorney fees and settlements or judgments levied against you if you are sued for negligence. These can easily add up to more than the minimum liability coverage, leaving you with insufficient financial backup. 

Purchasing liability limits that are higher than the state minimum is a good idea. For even more coverage, you can purchase a personal umbrella policy, which offers protection beyond the limits of your auto insurance policy. An independent insurance agent can help determine how much liability coverage is necessary to adequately protect your assets should the worst happen. 

How Much Does Auto Insurance Cost in Cookeville, TN?

Tennessee is the 24th most expensive state for car insurance. Average car insurance rates in Cookeville are higher than the state average. Shopping around for the best rate and taking advantage of discounts can help you save on your Cookeville car insurance.

  • National average annual car insurance cost: $1,311
  • Tennessee average annual car insurance cost: $1,263
  • Cookeville average annual car insurance cost: $1,331

Remember, auto insurance rates often vary significantly from one driver to the next, so your rates may be more or less than average. This is because insurance companies base your rates on several of your unique characteristics that help them determine how likely you are to get into an accident or file a claim. Your age, gender, and marital status help insurance companies determine whether you might be a risky driver. They also evaluate your driving history and credit score, as well as the year, make, and model of the car you drive. 

They evaluate the same characteristics for every driver in your household and base your rates on your level of risk as well as the coverage limits, coverage options, and deductibles that you choose. You can usually save some money by qualifying for discounts. Most insurance companies offer discounts for customers who bundle several policies together, such as car and home insurance. An independent insurance agent in Cookeville can help you compare quotes, choose policy options, and maximize your discounts. 

Number of Uninsured Motorists in Tennessee

Driving without insurance is against the law in Tennessee, yet many drivers continue to drive without coverage and put everybody else on the road at risk for financial ruin.

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

Uninsured motorist coverage is not required in Tennessee, but most drivers should purchase it. It covers you if an uninsured, underinsured, or hit-and-run driver hits you and cannot pay for your injuries or vehicle repairs. You’ll be reimbursed for your accident-related expenses, even if your insurance company can’t collect from the at-fault driver. 

Number of Auto Thefts in Tennessee

The auto theft rate across the state of Tennessee is lower than the national average, but in Cookeville, there are more thefts than average.

  • National auto theft rate per 1,000 vehicles: 2.94
  • Tennessee auto theft rate per 1,000 vehicles: 2.27
  • Cookeville auto theft rate per 1,000 vehicles: 3.13

Comprehensive coverage is the protection you need if your car is stolen or vandalized. It reimburses you for your lost or damaged car, and it also offers coverage for all kinds of “other than collision” vehicle damage, such as damage from falling objects, floods, structure fires, and more. Talk to a local insurance agent about comprehensive coverage and how it can help you pay to repair your car in a variety of unforeseen circumstances. 

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 or near Cookeville.

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