In the state of Tennessee, you are required to have liability insurance in case you are involved in an accident. There are certain minimum requirements for liability insurance, which include $25,000 each for injury per accident up to a total of $50,000, and $15,000 to cover property damage. Getting more than the minimum coverage can help you avoid financial despair since repairs and medical bills can exceed these amounts.
In addition to the required liability coverage, there are other types of coverage you may want to purchase. Without additional coverage, your car or any of your medical payments won’t be covered in the event of an accident or other damage. Collision coverage will help pay for any damage that is a result of an accident to your car. Comprehensive coverage will cover your car for any damages that aren’t related to an accident. This can include vandalism, theft or weather. Uninsured motorist insurance can help cover costs where you are involved in an accident with an uninsured driver or a driver that has insurance but which doesn’t meet the minimal requirements. Even though car insurance is required, it doesn’t mean that everyone does have it. Medical payments will help pay for your medical costs from injuries associated with an accident.
Your agent at Choice Insurance Agency LLC can help you find a great auto insurance rate, but there are a few things that help determine the rate you will receive. This includes your driving record, your car’s make, model and year, your age, gender and credit score. Choosing a higher deductible can help lower your monthly rate. The deductible is the amount you must pay when you make a claim, in order for insurance to kick in. There are some discounts that may be available, and these include a good driver discount, a good student discount and bundling your car insurance with home insurance or a multi-car policy.
Contact Choice Insurance Agency LLC for a quote on auto insurance.
