(800) 253-1482What Is Full Coverage Car Insurance in Tennessee?
Summary: Full coverage car insurance isn't a single policy but rather, a combination of protections, typically covering accidents and weather-related damage. While it offers broad coverage, the protection still doesn’t cover every possible risk for Tennessee drivers. To ensure you're fully protected and getting the best deal, it’s important to review your auto insurance policy with an agent and compare options for the lowest premium. Estimated Read Time: 5 mins
In Tennessee, full coverage car insurance typically combines liability coverage with extra protections like collision and comprehensive insurance.
While it offers more extensive protection, it doesn't cover every possible risk, and the specifics can vary based on your individual needs and the insurance carrier.
Understanding your risks is crucial in selecting coverage that protects you financially without breaking the bank.
Take a closer look at the options drivers have to protect themselves against a wider range of perils, all while saving on premiums in the process.
What Is Considered Full Coverage Auto Insurance in Tennessee?
Full coverage car insurance in Tennessee can mean a lot of different things but is most commonly referred to as a multi-policy form of protection that includes liability, collision, and comprehensive.
Again, while not a single policy, this mix of coverages helps keep you safe on and off of the road against more perils than just one type of protection alone.
For example, while you must have liability coverage to remain legal, it won’t cover your vehicle if you’re at fault in an accident nor will it pay for damage if you face a loss involving things like flood damage or after a hailstorm.
However, with full coverage auto insurance in Tennessee, you’ll have additional protection from such events, depending on the types of policies you enroll in, such as collision and comprehensive.
If medical expenses are something you’d like to safeguard against, there is also medical payments coverage (MedPay) and you may also benefit from uninsured/underinsured motorist coverage to protect against drivers not holding up their financial responsibilities.
The bottom line: full coverage helps drivers better protect themselves with personalized protection, for less.
The Average Cost of Full Coverage in TN
The average cost of full coverage car insurance in Tennessee ranges between $105 and $145 per month, however, the rate you pay will vary based on many different factors.
These include which carrier you choose, your driving record, the vehicle you insure, statewide traffic trends, and much more.
Always compare your options among multiple top-rated auto insurance companies to avoid overpaying for protection.
Understanding Deductibles
Full coverage car insurance often comes with deductibles, which are the amounts you pay before your insurance kicks in, depending on the type of coverage you enroll in.
For instance, liability claims don’t require a deductible, but for comprehensive or collision claims, you’ll need to pay your deductible first.
Then, you will receive reimbursement from your auto insurer to help cover your expenses.
When setting up insurance in Tennessee, drivers choose their deductible at the time of enrollment.
A higher deductible means lower monthly premiums, while a lower deductible raises premiums but reduces out-of-pocket expenses after an accident.
This balance lets drivers choose what works best for their financial situation.
If you can handle a larger expense after an accident, a higher deductible might save you money each month.
However, if you prefer less financial risk, opting for lower deductibles offers more security when filing a claim.
Get Cheap Full Coverage Car Insurance in Tennessee
Insurance companies each have their own algorithms and metrics, which, along with personal factors, lead to varying premiums.
To secure the most affordable full coverage options, comparing different policies and choosing the carrier offering the best protection at the lowest price is essential.
When shopping for auto insurance in Tennessee, think about whether the coverage aligns with your vehicle and financial needs, if you're receiving the best possible rate, and whether the policy is backed by a trusted, top-rated insurer.
To make your search easier, try our car insurance quote tool below to compare top-rated carriers in your area.
You can also talk to an agent to explore full coverage and other tailored protection options that fit your requirements.
What Does Full Coverage Auto Insurance Cover for Drivers in Tennessee?
The extent of your coverage under Tennessee full coverage auto insurance largely depends on the specific policies you choose.
For instance, if you have liability, collision, and comprehensive insurance, you benefit from their protections within a single auto insurance policy, rather than just one or two.
Opting for full coverage not only enhances your protection but may also qualify you for discounts, making it a convenient choice.
However, it's crucial to remember that full coverage isn't one-size-fits-all. Assessing your individual risks is essential to ensure adequate protection.
You can also consider adding relevant coverages, such as medical payments (MedPay) or uninsured/underinsured motorist (UI/UM) coverage, to safeguard against specific threats, avoid surprises, and gain peace of mind.
Customizing Your Protection
When shopping for full coverage auto insurance, consider adding extra protections to meet your unique needs.
In Tennessee, drivers can boost their protection with options like gap insurance, which pays off your loan if your car is totaled, and roadside assistance for towing or minor repairs when you need them the most.
Customizing your car insurance policy ensures broader protection tailored to your situation.
Be sure to compare different carriers to find the best policy that fits your specific risks.
Comparing Liability vs Full Coverage in Tennessee
Full coverage and liability-only insurance offer different protections but both have their time and place.
While full coverage includes multiple coverages, like liability, collision, and comprehensive, liability-only policies cover damages to others, including medical expenses.
Full coverage is not required by law but may be mandatory if you're leasing or financing your vehicle—lenders often require full coverage to approve a loan or lease.
Furthermore, while full coverage car insurance can provide added protection, it’s essential to weigh the pros and cons.
Conducting thorough research will help you decide if it’s the best option for your needs:
