Using a Tennessee car insurance calculator is a great way to get a ballpark figure of what your premium will be. This is based on several factors, including your age, gender, and driving history. There are also discounts that can lower your premium. The amount of coverage that you choose also affects your premium.
Tennessee drivers must have liability insurance to cover injuries and property damage that they cause. However, this does not include comprehensive or collision insurance. If you need comprehensive or collision coverage, you can get it through a separate policy. These types of policies can be more expensive than a basic state minimum liability policy.
The minimum liability insurance required by Tennessee state law only covers $25,000 per person and $50,000 per accident for bodily injury liability. However, drivers can get higher limits of coverage. The average annual cost of comprehensive insurance in Tennessee is $360.
Tennessee drivers can save money on their insurance policy by taking advantage of some of the state’s auto insurance discounts. Drivers who have a good driving record and good credit can qualify for additional discounts from insurance companies. They can also save money if they switch carriers.
Drivers in rural areas are less likely to get into accidents, which means they are likely to have lower insurance costs. Drivers in cities, on the other hand, have more chance of getting into an accident, which increases their risk of filing a claim. Drivers who live in less populated areas can also have lower rates because of lower crime rates.
Drivers who have a poor driving record can pay more for insurance. A poor driving record, especially a DUI, is a risk to insurance providers. Drivers who have a history of speeding and other traffic violations can also pay more for insurance. They are also more likely to be at fault for accidents.
Drivers who live in more expensive parts of Tennessee will pay more for their car insurance. Drivers who live in the most expensive parts of the state pay nearly $900 more per year on their full coverage car insurance than drivers who live in less expensive areas.
Drivers who are younger will pay the most for their car insurance. Insurance companies see young drivers as a high risk because of their lack of experience on the road. Teenagers who are added to a policy will increase your premium 3.2 times more than adding a senior driver.
Drivers who live in the Nashville area are more likely to get into an accident. Drivers who live in Nashville also have a greater risk of filing a claim. Drivers in other areas of Tennessee, however, pay less for car insurance.
Drivers who are approaching retirement may be able to get better car insurance rates than other drivers. They may be spending more time with their family, which means they will have a lower risk of filing a claim. They may also spend less time commuting.