Comprehensive coverage isn't required by law in any state, but lenders often require it if you're leasing or financing your vehicle. If you're the full owner of your vehicle, you can decide if comprehensive coverage is worth it. Different insurance companies use personal factors, such as where you live and what you drive, differently to calculate your car insurance rates. The best auto insurance company for you depends on a variety of personal and statistical factors, such as your age, whether you have good or bad credit, and whether you used to drive without insurance.
This information is not an insurance policy, does not refer to any specific insurance policy, and does not modify any provision, limitation, or exclusion that is expressly stated in any insurance policy. Because no two drivers are the same, auto insurance companies evaluate all of your risk factors, such as your driving history and age, to determine your special auto insurance rates in Tennessee. However, drivers who choose not to purchase auto insurance must show that they have sufficient funds to meet the state's financial responsibility requirements (PDF) in the event that they cause an accident. Keep in mind that what you pay for car insurance will depend on your age, gender, driving history, credit rating, and other factors in your unique driving profile.
Save money and protect your most valuable assets by combining your car and home insurance in Tennessee. State Auto, the second most expensive insurance company on this list, has a single uncovered insurance policy called auto replacement cost coverage, which will cover the replacement costs of a total vehicle, even if that cost exceeds the actual cash value of the vehicle. This type of car insurance coverage also applies if you or your family members are traveling as passengers in other vehicles or are hit by a car while walking or biking. The company's main discounts include multiple policies (combining auto insurance with home insurance or life insurance), family and multi-vehicle policies.
The medical payment coverage in your auto insurance policy will cover your co-worker's hospital bill up to the limits of your policy. Comprehensive car insurance and collision insurance are also common types of car insurance coverage, although no state requires them. Progressive allows you to combine two or more policies, so if you rent or own your home, own a motorhome, or ride a motorcycle, you can save money by combining any combination of car, home, recreational vehicle or motorcycle insurance policies. Progressive roadside assistance pays for towing services if your car breaks down for any reason, whether it's on the road or in your driveway.