East Coast Auto Insurance offers top rated Tennessee auto insurance companies from Allstate to Geico and Progressive and 21st Century. We will help you find suitable coverage no matter what your driving history is. Call us now at 888-206-0565 for immediate assistance.
Similar to most states, Tennessee requires vehicle owners provide “proof of financial responsibility”, either by depositing cash with the State Treasurer, or by buying an insurance policy with the following minimums:
- $25,000 bodily injury for one person, per accident
- $50,000 bodily injury for two or more persons, per accident
- $15,000 property damage
What are the rules and guidelines auto insurance companies must follow regarding the use of Personal Credit History in selecting applicants and setting rates?
In the state of Tennessee, auto insurers may use Personal Credit History to help determine which products they will offer as well as rates. Your Personal Credit History may also be used to determine whether you will be making monthly or quarterly payments or if you will be required to pay the entire premium upfront. Personal Credit History is also used to create an “insurance risk score.” This score also helps determine your auto insurance rates. In order to enjoy a lower insurance premium, pay your bills on time in an effort to improve your score. This will also help improve your credit history so that in the long run, you can save money on your car insurance premium. That said, Personal Credit History is not the only assessment tool Tennessee auto insurance companies may use. They also consider age, gender, where you live, car make and model, how much you drive, and driving record.
Is the state a No Fault or Tort state? What does either mean to the policy owner?
The state of Tennessee follows a Tort System. What this means is, if you are involved in an accident, someone must be found to be the cause or fault of the accident. The person deemed at fault is responsible for all damages. Damages are usually handled through the at-fault person’s insurance company. Because Tennessee is a Tort state, most insurance companies recommend that driver’s consider carrying higher coverages than the state minimums.
What is the average auto insurance premium in this state? As of what year?
As of 2006, Tennessee resident’s average insurance premium was approximately $654, the 40th most expensive in the nation. This was down 0.8% from the previous year. The national average was $817.
Drunk driving in the state of Tennessee is no laughing matter. If you get caught driving under the influence of alcohol, amphetamines, marijuana or any other drugs or intoxicants, you will have to spend anywhere from 1 day up to 11 months in jail. Penalties for first offenses do not stop here. You may also lose your driving privileges for 12 months, and you will have to install an interlock device at your own expense. Not only this, but fees could easily add up to at least $5,000.
Between 1994 and 2008, approximately 2,855 teens were involved in fatal car crashes in the state of Tennessee. The causes for teen accidents in Tennessee and nationwide range from inexperience and overconfidence to driving while impaired or distracted. Fortunately, the state of Tennessee has a plan to help decrease the number of teen accidents on its roads. The state currently enforces the rules of the Graduated Driver Licensing (GDL) program.
At East Coast Auto, we evaluate each application individually and customize appropriate policies to insure that you, your family and your assets are fully protected.
Most financial and legal experts will agree with our recommendations for increased coverage and additional coverage, such as: collision, comprehensive, personal injury, uninsured/underinsured motorists.
We will offer you maximum coverage at the lowest rates.
Call now 888-206-0565
We will place insurance only with top rated companies, such as:
- 21st Century
- AARP
- AIG
- Allstate
- Esurance
- Geico
- Kemper
- Liberty Mutual
- Nationwide
- Progressive
- State Farm
- Travelers