Tennessee Cheap Car Insurance Quotation: Required Coverage
In the state of Tennessee, mandatory coverage includes liability only in the amounts of $25,000 bodily injury coverage per person; $50,000 bodily injury coverage per accident in total; and $15,000 property damage coverage per accident. Alternatively you can opt to carry a single limit policy instead of one with multiple limits. While these are the required levels of coverage according to the state, they are indeed minimums. Most industry professionals recommend $100,000 bodily injury per person; $300,000 bodily injury per accident; and $100,000 property damage coverage per accident.
Tennessee Cheap Car Insurance Quotation: Recommended Coverage
In addition to the higher levels of liability coverage, car owners who want to be adequately covered should also opt for personal injury protection which provides for medical expenses for those hurt in an accident regardless of fault.
Uninsured motorist coverage is also an excellent choice, especially in a state with 23.9% of drivers without insurance. Tennessee is the 3rd highest state for uninsured drivers making it a risky place for an accident. Underinsured motorist coverage is a similar form of coverage but will protect you if your accident is with someone who has insufficient limits to cover the losses they caused.
Other forms of coverage that you may need include personal physical damage coverage. This includes comprehensive coverage to take care of losses from named perils and collision coverage to take care of losses from moving accidents. These are both required by lenders if your vehicle is financed. If it is not financed, you can choose to carry them or not.
Roadside assistance types of coverage like towing and labor are also wise investments. In addition, rental car coverage can be very convenient when you can’t use your car.
