What's Covered
Covers bodily injury and property damage you cause to others. Required in Tennessee — but minimums are rarely enough. We make sure you're properly protected.
Pays to repair or replace your vehicle after an accident, regardless of fault. Essential if you're financing or leasing.
Covers damage from theft, weather, fire, animals, and anything other than a collision. Tennessee storms make this one worth having.
Protects you when the other driver has no insurance — or not enough. More common than you'd think on Tennessee roads.
Covers medical expenses for you and your passengers after an accident, regardless of fault. Fast, no-hassle coverage.
Towing, flat tire, jump starts, lockout service. Add it for a few dollars a month and never get stranded.
Carriers We Shop for Auto
Why It Matters
A captive agent (State Farm, Allstate, Farm Bureau) can only offer one company's rates. We represent 30+ carriers — which means we shop the market every time, and we switch carriers when a better rate exists at renewal.
Most clients save $300–$800 per year just by letting us run a comparison.
FAQ
Tennessee requires 25/50/25 liability coverage: $25,000 per person and $50,000 per accident for bodily injury, plus $25,000 for property damage. These minimums are rarely enough to protect you after a serious accident — we typically recommend much higher limits.
The average Tennessee driver pays $1,200–$1,800 per year for full coverage, but rates vary significantly based on your driving record, vehicle, age, and ZIP code. Shopping multiple carriers — which we do for every client — is the most reliable way to lower that number.
In most cases, yes. Going directly to one carrier means you only see that carrier's rate. We compare 30+ carriers simultaneously, so you get the most competitive price for your specific profile — without the legwork of doing it yourself.
Tennessee has a higher-than-average rate of uninsured drivers. While it's not legally required, uninsured/underinsured motorist coverage is one of the most valuable add-ons you can have — and it typically costs very little to add to your policy.
Most comprehensive auto policies extend coverage to rental cars while your vehicle is being repaired after a covered loss. Coverage specifics vary by carrier and policy — ask us and we'll check your declarations page.
You Might Also Need
Bundle home + auto with the same carrier and unlock multi-policy discounts on both.
Learn More →Add $1M+ of liability protection above your auto policy limits for around $200/year.
Learn More →We also insure motorcycles, boats, ATVs, golf carts, and other recreational vehicles.
Learn More →Takes about 5 minutes. No obligation. We'll show you real quotes from multiple carriers side by side.
