What are my insurance options as a Tennessee driver?

The government of Tennessee requires drivers to carry minimum coverage of property damage liability and bodily injury liability.  However, that doesn’t mean you stop there as there are other critical additional coverages that you can buy or increase your limits. If you are a driver looking to purchase auto insurance in Memphis, TN, Tackett Insurance Inc can provide you with several options to help you have a good starting point.

You will need collision and comprehensive coverages

Whether you are a skilled driver or an amateur, you will need a comprehensive and collision package to protect you against financial loss in the event of an accident.  Remember, your liability coverage does not cover you nor your vehicle but other motorists who may get injured in accidents that you cause. Collision coverage replaces or repairs your damaged vehicle after a collision with another car, tree, or pole on the roads. Comprehensive coverage compensates you in case your vehicle is stolen, vandalized, or burned.

Bundle your policies for discounts

Most insurance companies offer discounts if you bundle up your insurance policies. If you buy home, auto, and boat insurance from the same insurance provider, you are likely to get a huge bonus that will lower your rates. Ask about discounts before settling on a specific insurance company.

Consider buying uninsured/ underinsured coverage

Just because you are insured doesn’t mean everyone else is. It would be a good idea if you could purchase uninsured and underinsured motorist coverages to protect yourself and your property in case you encounter an accident with such drivers.

Insurance today is no longer complicated like it used to be years back. However, you need to study and understand your policy to avoid confusion and misunderstandings when filing a claim in Memphis, TN.  Don’t forget to seek help from Tackett insurance Inc. when you get stuck. We are always waiting to assist you.