If you are ready to buy auto insurance in Tennessee, then there are many ways to shop for plans and compare prices. Whether you are looking for discount auto insurance or full coverage car insurance, you can find a plan that meets the minimum insurance requirements in Tennessee. You are required to get car insurance on your vehicle before you can drive in Tennessee. Aside from the requirement for having a car insurance plan for any vehicle, Tennessee also has minimum coverage amounts that your plan must offer. Auto insurance rates vary based on how much coverage your plan offers and on demographic information about you and your vehicle. If you do not receive a car insurance rate that you can afford while shopping around, then you can compare auto insurance plans here instead. Below, learn everything you need to know about how to get car insurance and what happens if you do not have vehicle insurance in Tennessee.
Penalties for Not Having Tennessee Car Insurance
When it comes to car insurance in Tennessee, it is important to be aware of the Financial Responsibility Law. The vehicle insurance law simply states that you must be financially responsible in the event of an automobile accident. Under the Financial Responsibility Law, all vehicle insurance plans are verified and stored within a database. As such, your car insurance status can be checked automatically anytime you are stopped by a law enforcement officer or you visit the Tennessee Department of Safety for driver services. If your automobile insurance cannot be verified and you cannot show proof of your financial responsibility, then you will pay a fine and risk losing your car registration privileges.
Another reason to get car insurance in Tennessee is because it protects you financially in the event of an expensive collision. Car insurance does not necessarily cover mechanical failures or issues that arise with your vehicle’s age, but it does provide support when you are involved in an accident or need to be towed. Accidents can cause thousands of dollars in property damage, vehicle damage and damage to roadways. Medical expenses often arise from collisions as well. Failing to get vehicle insurance means that you will be forced to pay for many of these expenses out-of-pocket.
The car insurance cost may deter you from obtaining a plan in the state, but the penalties for not getting car insurance in TN far outweigh the benefits of having it. Many cheap car insurance plans are available if you do not want to pay for an expensive plan. Even the cheapest auto insurance plans meet the basic insurance requirements in Tennessee. Buying car insurance in Tennessee is an easy way to avoid these penalties. Find cheap car insurance quotes here to get started.
Minimum Tennessee Automobile Insurance Requirements
Before getting car insurance in Tennessee, you should learn the minimum coverage requirements that your plan must have. In Tennessee, your vehicle insurance plan must provide the following:
- $25,000 liability coverage per accident for each death or injury
- $50,000 total per accident for all injuries or deaths
- $15,000 per accident for property damage
When shopping for a car insurance plan in Tennessee, you may also hear the requirement referred to as 25/50/15 auto insurance. Note that this requirement should be met by both discount car insurance plans and full-coverage car insurance plans. Additionally, while the Tennessee government uses these numbers as a standard, you may be required to get more comprehensive car insurance if you are leasing a vehicle or have a lien on your vehicle. If so, then your lienholder or leasing agent will tell you.
Some of the best car insurance plans in Tennessee are plans that offer more than just the minimum insurance amounts of 25/50/15. You can opt for full coverage car insurance in TN if you want your policy to offer more protection. No matter what plan you choose, start your search by comparing car insurance quotes online here.
How much is car insurance in Tennessee?
When shopping for vehicle insurance in Tennessee, it is natural to ask “What is the cheapest car insurance?” Car insurance prices vary greatly depending on what kind of car you drive, how often you drive, whether you live in a rural or urban area and what safety features your vehicle has. In addition, auto insurance prices will depend on your credit history and driving history. An insurance agent only looks at your credit score to determine your likelihood of filing an insurance claim. Statistically, drivers who have lower credit numbers are more likely to file insurance claims and are more expensive to insure.
In Tennessee, comparing auto insurance quotes is an effective way to save money if you cannot find a plan that suits your needs right away. You may also find that your car insurance rates change over time. Reaching certain age brackets can affect your rates automatically as well. Additionally, if you have been in a collision that affected your auto insurance rates, then you may see lower rates after enough time passes from the incident. Find online car insurance quotes right here before applying for a plan.