Tennessee auto insurance quotes Volunteer State drivers -- be they self-declared hillbillies living in the eastern wilds of the state or Nashville hopefuls pursuing a country music dream -- need protection against the vagaries of highway travel. Unless you plan to take the bus everywhere or confine yourself to the Appalachian Trail, you'll need some Tennessee auto insurance quotes coverage. Whether you're on a pilgrimage to Graceland, a day trip to the Grand Ole Opry, or a weekend camping jaunt to the Great Smoky Mountains, car travel engenders some risk. Auto insurance is designed to protect you. The trick is getting a policy that matches your driving habits and lifestyle choices -- and doing so without over-buying or under-buying coverage.
Looking at the Requirements for Tennessee Auto Insurance Quotes
As of 2010, Tennessee drivers had to carry bodily injury and property damage liability coverage. The numbers break out like this: $25,000 bodily injury per person, $50,000 bodily injury per accident, and $15,000 property damage. Tennessee drivers must square off against a fair number of uninsured drivers. According to the Insurance Research Council, one out of every five TN drivers lacked insurance in 2007. So it probably behooves you to tack on some uninsured and/or underinsured motorist coverage. Also, bear in mind that the 25/50/15 minimums just discussed may be inadequate if you get into a catastrophic accident. To that end, boost your coverage to 100/300/50 to be more realistic.
In 2007, the National Association of Insurance Commissioners found that Tennessee auto insurance quotes drivers paid $649 on average for their auto coverage -- $150 less than what the average US driver paid ($795), but still nothing to sneeze at. Drivers paid $124 for collision, $280 for comprehensive, and $359 for liability.
Procuring Discounts and Tailoring Your Tennessee Auto Insurance Quotes
Whether this is your first time shopping for Tennessee auto insurance quotes, or you're updating a policy that you have had for years, you'd like to save some money. Here are a few ideas to get your juices flowing. Insure your auto and home with the same company for a savings of 30% or more. Install an auto alarm for savings of 5-10%. Pay off your premium with one upfront payment a year instead of monthly payments for a 5% discount. Install antilock brakes to save 5% or more. Install airbags to save 5%. Take a defensive drivers course to save 10%.
Save money, but remember: extract the best utility per insurance dollar spent. You do need some production, so identify realistic risks and attend to those risks realistically.
Shopping for Reliable Tennessee Auto Insurance Quotes
To get a full range of coverage options, leverage the service of AutoInsuranceQuotes.com. Take two minutes to fill out our online quote form. Our service is totally free. You get back multiple quotes from reliable and trusted insurance companies. Looking at Tennessee auto insurance quotes side-by-side can be immeasurably helpful, providing much needed perspective for Tennessee auto insurance quotes.