Car Insurance in Thompson's Station, TN

If you are a vehicle owner in Thompson's Station, you need car insurance. A good auto insurance policy can shield you from significant financial losses whether you are in a multi-car collision on Interstate 840, get rear-ended at a red light on Main Street, or find yourself in a fender bender in a parking lot.

Finding the best and most affordable car insurance is easy with the help of a local independent agent. These experienced agents can help you obtain and compare customized car insurance quotes from competing providers. Contact an independent insurance agent in Thompson's Station to get started.

How Much Does Car Insurance Cost in Thompson's Station, TN?

The good news for vehicle owners in Thompson's Station is that the average cost of car insurance in Tennessee is lower than the national average. Taking the time to compare rates from a few different insurance providers lets you be sure you are getting your coverage at a reasonable price.

• National average annual car insurance cost: $1,311
• Tennessee's average annual car insurance cost: $1,263

An average rate can only give you a general idea of what you might be expected to pay. Car insurance companies base their premiums on several factors such as:

• Your vehicle's make, model, year, value, and condition
• Your age, gender, occupation, and marital status
• Your driving record, insurance claims history, and credit score
• Information about any other licensed drivers in your household
• The auto theft and collision rate in the vicinity of your home
• The amount and types of coverage you want to include in your policy
• The size of your deductible

Comparing quotes from a few competing insurance providers enables you to choose the policy that offers the coverage you want at the most affordable price. Independent agents make comparison shopping easy.

Is Car Insurance Required in Thompson's Station, TN?

To comply with state law, vehicle owners in Thompson's Station must either carry a car insurance policy or, with approval, self-insure. If you want to self-insure, you will need to pay a non-refundable $500 application fee, and you will have to post a bond, certificate of deposit, or letter of credit for $500,000. 

Most people in this state opt to purchase a car insurance policy. If you are among them, your car insurance policy must meet or exceed Tennessee's minimum coverage requirements. This means your policy must include:

• Auto liability coverage: This pays for other people's property damage and medical bills if you are at fault for a collision. Your liability coverage must consist of at least:
  • $25,000 worth of bodily injury liability coverage per person
  • $50,000 worth of bodily injury liability coverage per accident
  • $15,000 worth of property damage liability coverage per accident

Additionally, though it is not required by law, you may also need to include physical damage coverage in your car insurance policy. Lenders typically require this coverage if you are financing your vehicle, and dealerships require it if you are leasing. Physical damage coverage includes:

• Collision coverage: This covers the cost to repair or replace your vehicle if it is damaged or totaled in a collision, regardless of fault.
• Comprehensive coverage: This covers the cost to repair or replace your vehicle if it is damaged or totaled by a non-collision event such as a hailstorm or theft.

A local independent agent can help you find a suitable policy at a competitive price.

What Else Does Car Insurance Cover in Thompson's Station, TN?

In addition to the coverage mentioned above, most car insurance companies in Tennessee offer several coverage options that you can choose to include in your policy. These may include:

• Medical payments coverage: This helps cover the cost of medical treatments for you and your passengers if you are injured in a collision, regardless of fault. It can pay for the things your health insurance may not, such as copays, deductibles, and ambulance services.
• Uninsured motorist coverage: This can compensate you for your injuries and property damage if an uninsured, underinsured, or hit-and-run driver is at fault for a collision with you.
• Glass replacement coverage: This can pay to replace cracked or damaged safety glass in your windshield, windows, or sunroof.
• Towing and roadside assistance coverage: This covers the cost of service if your car breaks down and you need to call for help, such as if your engine overheats, you blow a gasket, or you run out of gas.
• Gap insurance: This can buy out your lease or pay off your car loan if your vehicle is totaled in a covered event and you still owe more than the car is worth.
• Rental car reimbursement insurance: This can cover the cost of renting a car while you are having yours repaired for damage sustained in a covered event.
• Umbrella insurance: This is a separate policy that enables you to affordably boost your liability coverage well beyond the limitations of your car insurance policy.

Be sure to review the details and costs of all available coverage options when deciding which choices are a good fit for you and your family.

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What Is the Penalty for Driving without Insurance in Thompson's Station, TN?

Driving without insurance is illegal in Tennessee. If caught, you can face penalties including:

• A Class C misdemeanor conviction on your record
• A fine of $300
• The suspension of your driver's license and vehicle registration until you provide proof of insurance
• Fees, including a $65 license reinstatement fee and a $50 fee to the Tennessee safety commissioner to get your driving privileges back
• The requirement to maintain an SR-22 (Proof of Insurance) form for three years
• If you are a repeat offender, you may be required to take a defensive driving course and retake your driver's license exam

If you cause an accident while uninsured, the infraction is bumped up to a Class A misdemeanor. If convicted, in addition to the consequences mentioned above, you can face:

• Incarceration for up to one year
• A fine of $2,500
• The need to cover any property damage or injuries you may have caused to others in the collision

Furthermore, an uninsured driving conviction puts you in a high-risk driver group with insurance companies. This means you can be looking at higher car insurance rates when you purchase a policy.

Despite these penalties, approximately one in five motorists in this state are driving without insurance. This is one of the highest rates of uninsured drivers in the country:

• Percentage of US drivers who are uninsured: 13.0%
• Percentage of Tennessee drivers who are uninsured: 20.0%

If you are in a collision caused by an uninsured driver, that person is responsible for covering your property damage and medical costs. Unfortunately, this money can be extremely difficult to collect. That is why uninsured motorist insurance, which is optional, can be so beneficial.

If your car insurance policy includes uninsured motorist insurance, your insurance provider will compensate you for any property damage and injuries you may have sustained in the accident. This saves you from the need to go through lengthy legal channels to collect what is owed to you.

Are There Any Car Insurance Discount Opportunities in Thompson's Station, TN?

One of the easiest ways to earn significant rate reductions is by bundling your car insurance with other policies like home insurance or renters insurance. Other money-saving incentives you may come across when shopping for coverage include:

• Good driver discounts
• Multi-car coverage discounts
• Military discounts
• Good student discounts
• Discounts for vehicles equipped with certain safety features and anti-theft devices

Independent insurance agents can ensure that you receive any offered car insurance discounts for which you qualify.

What Are the Best Car Insurance Companies in Thompson's Station, TN?

Insurance companies are highly rated when they consistently provide their policyholders with responsive customer service, rapid claims processing, reliable coverage, and competitive rates.

Independent insurance agents in Thompson's Station have partnerships with some of the best car insurance companies in Tennessee. This lets you be sure that any policies your agent recommends to you are offered by companies you can count on if you ever need to file a claim.

How Can an Independent Agent in Thompson's Station, TN Help Me Find the Right Policy?

Independent agents take the guesswork out of finding the best car insurance policy. These agents are available to explain your various coverage options, answer your insurance-related questions, and help you compare policies and rates from a few competing providers.

It doesn't cost anything to work with one of these experienced and knowledgeable insurance professionals. Contact an independent insurance agent in Thompson's Station to start comparing customized car insurance quotes.