Why Full Coverage is the Cheapest Car Insurance in Tennessee

The state minimum liability requirements are only enough to protect you in certain circumstances. In the long run, the cheapest car insurance in Tennessee is an affordable full coverage policy that protects you against all unexpected costs.

State Minimum Requirements

Basic liability only protects you from lawsuits in the event that you cause an accident. It doesn’t provide for your own healthcare or property loses.

It includes:

  • $25,000 – towards the cost of bodily injury per individual involved in an accident
  • $50,000 – maximum for all bodily injury claims
  • $15,000 – towards property damage

A serious accident can result in damages that far exceed this coverage and still leave you subject to legal action.

Have Additional Liability Coverage

It requires an act of congress to increase the state minimum requirements, but politicians always avoid increasing expenses for constituents. The actual costs for healthcare and property replacement change with the prices in the market and have far outpace changes in the law.

The old minimum liability requirements have become obsolete leaving many drivers in the Tennessee underinsured. An insurance professional can tell you what level of coverage is necessary to provide adequate protection equal to current market conditions. Affordable premium options are available that minimize your long term liabilities.

Reduce Risk of Property Loss

It is also wise to upgrade your policy to cover your own unexpected expenses.

  • Collision – Pays replacement costs for your vehicle
  • Comprehensive – Protects against fire, theft, vandalism, and other acts of God
  • Medical – Takes care of your uncovered healthcare expenses
  • Uninsured Motorist – Covers damages caused by other drivers who are not insured

Not being adequately covered leaves you vulnerable to unexpected expenses. Think about the long run. The cheapest car insurance in Tennessee isn’t always the least expensive policy. Make sure your policy is up to date.