Unlike health insurance, there's no age limit when it comes to car insurance. As long as your parents' home is your permanent residence, you can stay on their insurance as a registered driver. We charge a higher rate for customers who are more likely to file claims and a cheaper auto insurance rate for customers who are least likely to file claims. Every state requires auto insurance companies to declare how they calculate rates to customers, and insurers cannot deviate from these presented rates.
State Farm is the most affordable auto insurance option for Tennessee drivers with a speeding ticket, at-fault accident, or DUI on their driving record. However, the vehicle must be regularly parked at your residence overnight for Progressive to insure it in your policy. Comprehensive coverage covers damage to your car after incidents beyond your control, such as theft and weather, while collision coverage pays for damage to your car after an accident in which the culprit is at fault. In Tennessee, the state minimum car insurance includes bodily injury liability coverage, which pays for the other driver's injuries, and property damage liability coverage, which pays for the other driver's repairs.
If it's been a few months since you received your quote, the rates in your area may have been revised, which could decrease or increase the price you pay for your car insurance policy. The average cost of car insurance is 77% more expensive for Tennessee drivers with bad credit than for those with good credit. And unlike health insurance, there's no age limit that prevents you from staying on your parents' car insurance. If you and your spouse live with your parents and drive your vehicles, you can stay on your car insurance policy as listed drivers.
Request a car insurance quote online or call 1-866-749-7436 and we'll ask you the right questions so that your teen has the right coverage. In addition, if your policy includes car rental reimbursement and your car is damaged in a covered accident, Progressive will pay the rent (up to a specified limit and term) while your own car is repaired. Insurance rates are typically the lowest for middle-aged drivers, but car insurance costs for seniors can increase, even for those with an excellent driving record. You can pay for your car insurance policy by credit card, PayPal, online check, personal check, money order, or electronic funds transfer (EFT) from your checking account.
A teen driver must have car insurance in almost every state, so you can add it to your policy or insure it with a standalone policy.