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Tennessee Car Insurance Rates Minimum Cover

Comparing Tennessee car insurance rates has never been any easier. Simply provide your zip code, click your age, if your are currently insured, and if you own a home and you are on your way to lowering your monthly bill. The best part is there is no obligation to find out how much you save on Tennessee car insurance.

At the same time you can review the state minimum requirements for auto insurance:

Bodily Injury Liability

This kind of coverage is meant to cover the hospital costs of the opposing party in an accident. If only the minimum quantity of coverage is purchased, an insurer will pay up to $25,000 for a single person and a sum total of $50,000 for all passengers for a single accident.

Property Damage Liability

Property damage is damage to public property like places of business, road signs or guard rails, personal property like somebody’s garage door or their automobile. If the minimum coverage is purchased the insurance corporation will make allowance for a maximum payout of $10,000 for a single accident.

There are other optional insurance you may add to your policy and it is recommended if you have a newer model vehicle or if you have financed your car. Other available insurance cover are comprehensive, collision, uninsured motorist protection, and medical payment cover.

If you have financed or leased your vehicle the bank or lending institution is going to require you to have full coverage for your vehicle. If you let your insurance lapse the bank is going to buy the insurance for you and this can get very expensive. The cost of the premium could be twice as much then if you would have kept a policy. The bank may not require you to have medical payment cover if you have a health insurance plan from your employer or your own policy. However, you may want to consider medical payment coverage since it will cover the cost of your deductible of your health insurance plan and you will not have to pay any out-of-pocket expenses.

If you are seeking for lower auto insurance rates in Tennessee it is important to learn how to lower the likelihood of being charged more. Here are a few things you can plan or ask about when you are comparing online car insurance quotes.

  • Request a higher deductible. If you increase your deductible from $250 to $1000 you can lower your comprehensive and collision cover by thirty percent or more.

  • Avoid a cross-over in medical coverage. If you have an existing health insurance plan get only the minimum cover you need for medical payments or forgo it altogether. Be sure to ask your health insurance provider if the medical expenses will extend to the passengers in your vehicle if in accident. Often times this is not the case.

  • Purchase a low cost car. It is more expensive to insure a vehicle that is expensive than it does to insure a car that is least costly. If you let go of the $50,000 vehicle and get a $20,000 low profile car then your insurance rates can be reduced by twenty percent or more.

  • Don’t get cover you don’t need. If you have a vehicle that is worth $3,500 you may want to consider dropping comprehensive and collision.

  • Be sure to tell the insurer about the safety features of your vehicle. Something as minor as “automatic seatbelts” could reduce your rates by five percent or more.

  • Drive less or car pool. If you can reduce your mileage by half then you may be able to cut your rates up to $200 off your six month policy. That is $33 dollars a month which doesn’t sound like much, but over three years the amount of savings is $1200.

  • Combine everything with one insurance company. If you have a house, vehicle, boat, trailer, or any other recreational toys then you could reduce your vehicle insurance rates if you buy life, health, homeowners, and car insurance policy from the same company.

  • If you have children that can drive be sure to ask about a good grade discount. And it is cheaper to insure young adult by keeping them on the parent’s policy then having their own.

  • If you haven’t had any traffic or moving violations in the last three years ask your insurer for a discount. If they give you a discount be sure to use the advance comparison tool at the top of the page to see if any other insurance firms may offer you more of a discount. Remember, insurance firms are competing to earn you as a customer.

  • If you have a credit card call them and see if they have roadside assistance. If so, then you can forgo this cover on your insurance policy.

Local Car Insurance Agents in Tennessee

At Autoinsuresavings we are helping drivers save money on car insurance every day simply by using the comparison tool at the top of the page. It takes less than a couple of minutes to compare quotes from insurance companies in your area.

Greg Fowler
I love to network, travel, and spend time with my children. When I am not doing that I am working on AutoInsureSavings or other websites. If I am working, the best way to reach me is via my Google+ Profile.

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