Depending on where you live, you face a very different series of auto insurance laws than someone in a neighboring state might. Whether you're thinking of renewing your policy or are considering a move across the country, it's crucial to understand the state's regulations and how they can impact your policy. No matter where you live and the law, it's always recommended to get protection that far exceeds state minimum requirements. Some states don't require coverage, while others spell out in very specific terms the types of coverage you must carry. Be sure to get several competitive quotes from different companies to verify that you're receiving the best coverage to meet your needs.
It might come as a surprise to find out that having a policy is not required in the state of Tennessee. That said, there are specific guidelines required of all drivers to maintain proper financial responsibility.
If the costs for premiums have you worried, you can think about raising your deductible. By doing this, you can save money in the short term - your premiums will go down - but it can cost you long-term because you will be expected to pay more in the event of a claim.
One of the best ways to verify that you're paying the right amount for your policy is to seek out competitive quotes from several different insurers. This will help you assess the standards of coverage and costs, and make sure that you're paying the right amount.
Families with teenagers should review their policies. Depending on where you live, your insurer and your individual policy, your teens could be automatically added to your policy once they reach driving age. Check with your insurer to find out more.
One way to save money on premiums is to combine policies. Many insurers offer multiple-policy discounts. If you own a home, consider combining your vehicle and home policies with the same insurer. Find out if this strategy can result in savings.
How To Contact Directly:
Tennessee Department of Commerce and Insurance
500 James Robertson Parkway
Nashville, TN 37243-0600
Online Complaint Form From The Tennessee Department of Commerce and Insurance
Email Complaint Questions: CIS.Complaints@state.tn.us
On Contact The Consumer Division At:
Consumer Insurance Services
500 James Robertson Parkway, 4th Floor
Nashville, TN 37243-0574
Toll Free: 1-800-342-4029