Tennessee law mandates drivers carry at least some liability coverage; full coverage (which covers bodily injury and property damage) can be purchased as an extra. Uninsured and underinsured motorist coverage are also available. Car insurance rates in Tennessee depend on a range of factors, including credit score, driving history, type of car driven and location – this article gives an overview of their influence as well as helpful tips to find affordable coverage in Tennessee.

Maintain a clean driving record to lower Tennessee car insurance. This includes keeping points off of your license low and avoiding traffic violations, while your credit score also plays a part in your rates; in fact, some insurance companies may even decline to sell you coverage if your score falls below an acceptable minimum level. If this applies to you, try to raise it by paying down debts or opening new lines of credit if possible.

Shopping around for car insurance deals is another important consideration. Different insurers offer discounts based on factors like having safety features installed or multiple policies with one company – these savings could add up substantially over time! Furthermore, you could try raising your deductibles, which should lead to reduced premiums overall.

Age can have a dramatic impact on car insurance rates in Tennessee. Mature drivers usually pay lower premiums due to having more experience behind the wheel and thus being perceived as being lower risks to insure. However, drivers over 60 may see their premiums increase again; therefore it’s wise to shop around to find a provider offering affordable coverage options for seniors.

Compare car insurance costs across your city. Rates differ based on factors like crime levels, car accidents and traffic congestion – typically, smaller cities offer lower premiums due to having fewer cars on the road.

Your car’s model year can have a dramatic effect on the cost of insuring it in Tennessee. Newer vehicles typically cost more to insure due to higher repair or replacement costs after an accident; older cars typically depreciate faster and therefore often require less costly repairs and maintenance costs.

Addition of teen drivers can increase the cost of car insurance in Tennessee by as much as 3.2x. This is because they are inexperienced drivers more prone to accidents. To prevent adding another teen driver to your policy, consider increasing liability limits or purchasing comprehensive and collision coverage that protects against damages caused by other drivers.