Tennessee residents, like all Americans, are trying to get the best value for their dollar as gas and food prices go through the roof. One place where you cannot make too many cuts if you want to protect yourself and your family is car insurance. There is good news. You can still find cheap TN auto insurance rates without sacrificing coverage.
# The State Requirements
In Tennessee, car insurance is not required but the state does have a financial responsibility law for car owners. Therefore, most people choose to carry a TN car insurance policy to meet the requirements of the financial responsibility law and for their own protection. The minimum auto insurance requirements in the state on Tennessee are:
- $25,000 bodily injury liability coverage per person
- $50,000 bodily injury liability coverage per accident
- $10,000 property damage liability per accident
In order to get the best and cheapest rates on TN auto insurance, follow these guidelines:
-Shop around and get lots of quotes to compare and contrast. This is the most important tip, because insurers can vary greatly in their prices as each one weighs different rating factors differently.
-If you carry collision and comprehensive car insurance coverage, raise the deductibles that apply to save on yearly premiums.
-Ask the insurer about any other discounts that many be applicable.
-Avoid financing charges by paying in full or opting for a payment type that has no finance charges.
-Drive safely, so your driving record remains clean.
-Be sure you have good credit, as it is regularly a factor in rates.
-Take driver-training courses if you are a new driver, over the age of 55 or have had a moving violation.
-Avoid making insurance claims that may affect your premiums, unless really necessary.
-Make sure you don't let your insurance lapse. A period without coverage may deem you a high-risk driver and force you to pay much higher premiums.
# Compare Cheap Tennessee Car Insurance Quotes Online
You can go to www.tennesseeautoinsurance360.com, get started today finding the best rate by using an online quote tool. By taking advantage of these free tools, and the numerous companies who want your business, you'll be able to find affordable Tennessee car insurance rates that give you the protection you need.