Cheap Tennessee Auto Insurance

Are you looking for cheap auto insurance in Tennessee? You’ve found a trusted source – one that has helped plenty of people find something nothing short of excellent. We don’t believe in paying a lot for car insurance, so we make sure that we have some of the cheapest quotes available. Our free quote tool something that everyone should check out, as there may be the chance to save a lot of money on your next policy.

The state of Tennessee requires all insurance companies to offer uninsured and underinsured motorist insurance to all their policy holders. Uninsured and underinsured coverage provides protections against drivers who do not carry the mandatory liability auto insurance demanded by the state. Underinsured and uninsured coverage is not mandatory in the state of Tennessee but it is recommended. If you decide to forego this option, the insurance company is required to provide a signed declaration page stating that you chose not to take the underinsured and uninsured coverage.

In July of 2009, Tennessee passed a texting law which forbids any individual to text from a hand held communications device while operating a motorized vehicle on the road. This offense is considered a class C misdemeanor and comes with a $50.00 fine plus a $10 court charge. There is also a separate law forbidding anyone with a learner or intermediate license from operating a hand held or hands free cell phone or other communication device while operating a motorized vehicle. The fine is $100.00 and could delay the promotion to the next licensing level. It also applies to school bus drivers when they are transporting children.

You or your insurance company may exclude members of your household from coverage on your insurance policy if they are considered too high risk because of their driving record. If the individual is not listed on your policy, the insurance company does not have to provide coverage for that person. Any exclusion will be listed in the section of your policy titled exclusions. This section also covers any and all circumstances which would allow the insurance company to deny a claim. If your policy lapses or cancels you can be cited for driving without the required insurance so you must pay the premium to reinstate the policy. If the policy is cancelled, then you must find a new auto insurance policy right away.

Tennessee insurance companies can use your credit history to accept applicants, set insurance rates, and determine which services they will provide, including one’s chance for cheap auto insurance in Tennessee. They may also use your credit score to determine your risk factors and determine your insurance risk score. However, many other factors are used to determine your rates such as the age of the drivers on the policy, the car you drive, driving record, where you live and your marital status.
Since Tennessee is a Torte state, any individual who is found to be at fault in an accident can be sued for pain, suffering, lost wages, and medical expenses. For this reason, insurance companies advise policy holders to buy more than the minimum liability auto insurance – something that can be done with the use of cheap Tennessee auto insurance. The average insurance premium in Tennessee as of 2006 is approximately $654.00 and the state is ranked as the 40th most expensive state for insurance premiums in the nation.

Even if you may have had a few dings on your record, there are still some things that will help you out when you’re looking for cheap auto insurance in Tennessee. One of the methods you can use to reduce the cost of your auto insurance premiums is to purchase more than one type of insurance policy with the same company. You will also get discounts for a clean driving record and possibly for renewing you policy with the same company repeatedly. Making sure you insurance never lapses will sometimes reduce your premiums as well as belonging to a particular professional group such as engineers, teachers, or doctors.

Even newer drivers have discounts for them, something that may equal cheap auto insurance in Tennessee – even for the parents. Younger drivers can get discounts for maintaining good grades, and completing a driver safety course approved by the state. Insuring multiple vehicles will also reduce your premiums. Anti theft devices and safety mechanisms such as airbags and seat belts will contribute to the reduction of your auto insurance premiums. It may also be useful to know which cars are frequently targeted by thieves. The list of the top ten most often stolen cars in the state of Tennessee are listed below.

1. 1990 Toyota Camry
2. 1994 Chevrolet Full Size C/K Pickup
3. 1989 Chevrolet Caprice
4. 1986 Oldsmobile Cutlass
5. 1990 Buick LeSabre
6. 2000 Chevrolet Silverado
7. 1993 Jeep Cherokee/Grand Cherokee
8. 1997 Ford F150
9. 1989 Oldsmobile Delta 88
10. 1991 Honda Accord

So, you’ll find that you have a lot of different ways to cut down on insurance costs. Since you’re already on the hunt for cheap Tennessee auto insurance, why not take it a step further? Use our free auto insurance quote tool to help you find a policy that you can really stand by. It’s quick, easy and can potentially save a lot of money.

Useful links:
Tennessee Division of Motor Vehicles
Tennessee Division of Insurance
Tennessee Department of Revenue

Bodily Injury Liability Per Person: $25,000.00
Bodily Injury Liability Per Accident: $50,000.00
Property Damage Liability Per Accident: $15.000.00
Options: Single Policy Insurance: $60,000.00
Deposit with Insurance Commision: $60,000.00
Bond: $60,000.00

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