Tennessee Auto Insurance Not your state? Click here

Tennessee Auto Insurance Not your state? Click here
The motto of Tennessee: Agriculture and Commerce

The state of Tennessee has been built around the ongoing development of a strong local economy hence the motto "Agriculture and Commerce." While other Southern states have been growing rapidly in terms of population, Tennessee has been able to bridge the gap between the North and the South with a diverse array of cities. Larger cities like Memphis and Nashville are surrounded by smaller cities like Jackson, Franklin and Kingsport in a state more diverse than its neighbors. Tennessee is growing into a gateway for the eastern half of the country and drivers who travel in Tennessee cities need to find comprehensive insurance coverage.

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InsuranceAuto.org is a premier online marketplace for drivers around the country who want to compare and contrast insurance prices. Tennessee drivers who need a new insurance plan can head to InsuranceAuto.org and get started immediately on finding new coverage. The simple search tool allows you to input your state, your vehicle mileage and a dozen other characteristics in order to find a variety of insurance providers. You can also manage your insurance preferences and options that you need to adequately cover your family and passengers on a daily basis.

Tennessee state law helps dictate the minimum requirements for your new auto insurance. The state's legal system is based on tort rulings which require that someone be held accountable in a civil suit. The legislature has recently pushed through laws that dictate a formula for the lowest level of insurance coverage that a resident driver can hold. The 25/50/10 formula allows you to hold adequate financial protection in case of an accident. Drivers must hold at least $25,000 in bodily injury coverage per person and $50,000 per accident in order to operate a vehicle legally. If you are an operator in Tennessee, you also need to hold at least $10,000 in property damage coverage to protect yourself and property owners.

While most drivers will opt for the minimum amount of insurance in Tennessee, you may want to exceed these limitations. InsuranceAuto.org and other websites have helped bring down the average premium price in Tennessee in the last few years. Drivers had to pay an average of $676 in insurance premiums in 1999 and $775 in premiums during 2003. This 14.64% increase in 4 years was significant for residents who also had to endure similar increases in housing costs and state tax growth. The heartening fact for Tennessee drivers is that the national average in 2003 was $914 and Volunteer State drivers will soon experience a decrease.

The 1% decrease that drivers can expect in 2007 and 2008 will be the first premium decrease since 1999. There are many reasons associated for this change including an adjustment by insurance companies to reflect uncertain economic indicators. One reason why Tennessee drivers can afford better insurance at a lower premium is that InsuranceAuto.org and other online marketplaces have made the insurance purchasing process more transparent for the average driver. The key to finding good insurance through InsuranceAuto.org for Tennessee residents is honestly assessing your use of the vehicle as well as pertinent data on your vehicle.

InsuranceAuto.org also helps drivers in Tennessee educate themselves on state laws and ways to increase the value of their insurance. You can consult state insurance regulators in Tennessee or the other 49 states to compare and contrast insurance laws in case you go out-of-state. Free insurance quotes from local and national companies allow you to build a portfolio of information on the current insurance marketplace. You can also do some research on individual insurers by consulting their websites before you make a purchase through InsuranceAuto.org.

Most stolen vehicles in Tennessee:
1. 1990 Chevrolet Full Size C/K 1500 Pickup
2. 1995 Oldsmobile Cutlass
3. 1997 Honda Accord
4. 1990 Toyota Camry
5. 1997 Ford F150 Series
6. 1994 Buick Century
7. 1991 Chevrolet Caprice
8. 1993 Jeep Cherokee/Grand Cherokee
9. 1993 Ford Taurus
10. 1997 Ford Explorer
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  1. Auto insurance rates definitely hold people back from applying for a loan. My friend doesnt make much, around $1000 a month (after taxes) and has bad credit issues because of some different things he decided to do. In Tennessee the rates actually increased by about 2.6% from 2006 to 2007, which for many people can actually "screw" them. my friend needed an auto loan and applied to various places online to get a low rate and actually, 1carcash helped out. I am told they have a huge network of lenders who offer lower rates than most places and they even specialize in Tennessee auto loans, which was important because most places focus on New York, Florida and California and have many more connections in those states. Compared with so many other states, Tennessee's insurance is much lower but the fact that it seemed to increase recently is troubling.

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