CHEAPEST FULL COVERAGE INSURANCE IN TN

CHEAP FULL COVERAGE CAR INSURANCE TENNESSEE

By Marlon Moss | Licensed Agent at Learnandserve.org | Powered by A Plus Insurance

CHEAP FULL COVERAGE CAR INSURANCE TENNESSEE

National General$129
Progressive Insurance$140
Farmers$147
Travelers$151
Nationwide$158
Liberty Mutual$161
The General$161
Allstate$166
Bristol West$166
AssuranceAmerica$168
American Family$170
GAINSCO$173
21st Century$174
State Farm$174
USAA$174
FULL COVERAGE PRICES TENNESSE

Comprehensive and Collision doesn’t have to break the bank and if you are looking for cheap full coverage car insurance in Tennessee the above Carriers are a great place to start!

Now for the Cheapest full coverage car insurance in TN that may directly depend on you. When shopping around do you look for the discounts? Do you adjust the coverage to fit your exact needs? Do you know what comes with full coverage?

What do you get with Full Coverage?

comp and collision white cars
COMP/COLL COVERAGES

Full Coverage is opting for Comprehensive and Collision Coverage on your policy. These are essential, especially if the vehicle is new or holds some special value. Accidents happen and the insurance company can step in to assist in paying for the damages.

Comprehensive kicks in when your car is vandalized or stolen! All you do is pay the deductible. You do not have to bare the weight of others poor decisions, but that’s not all. Weather related events aren’t your fault either! Comprehensive will cover acts of nature such as rain or hail, but also Bambie literally running out in front of you too!

Forreal! Like, it takes hours to hunt them with an arsenal and seconds to kill one with your car!!!

cheap full coverage car insurance in tennessee
“Please don’t hit us…. but if you do, get covered.”

Collision kicks in when you are in, well, a collision. Regardless of fault your collision damage will be covered by the carrier. If you are Not-At-Fault obviously the guilty party will cover your damages, but if they are not or you are At-Fault all you’ll pay is your deductible.

Too many claims can impact your rate.

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“Collisions happen, but I don’t gotta live that broke life.”

WHAT DO YOU NOT GET WITH FULL COVERAGE?

The assumption is that you get EVERYTHING with full coverage, but that simply is not the case. In fact all you get with Full Coverage are the above mentioned Comprehensive and Collision coverage.

Here are a few coverage options you may consider choosing

Uninsured Motorist Coverage: If you are hit by a driver operating without insurance, your insurance will cover your damages.

Medical Payments: Regardless of Fault, Medical Payments steps in to help you with your hospital bills and lost wages up to a certain amount! It even covers your passengers.

Rental: If you have full coverage, you can add Rental Vehicle on as a coverage. This is a reimbursement for a Rental Vehicle in the case of an accident that has your car in the shop for repairs.

Towing: This roadside assistance coverage aids you in the case that you are in an accident and the vehicle is unable to drive, your Fully Covered vehicle will be transported to the shop.

General Roadside Assistance: Different from Towing in some cases, this coverage is for all general roadside needs. Lockout, Tire service, Battery jump, and more!

What is the cost of adding these coverages? It depends on the carrier, during your quote these can be added or removed for price comparison.

The difference in the price between Liability Only and Full Coverage is quite significant. As you can see in the chart below the gap can be huge, but why is that?

Well, think about what the coverage gets you. Liability only covers you for damages that you may cause to someone. Bodily Injury (their medical bills) and Property Damage (their car). Now that isn’t a small amount of coverage.

The State required liability limits is $25,000 per person up to $50,000 per incident! And $15,000 for property damage per accident.

Before you can even add Comprehensive and Collision Coverage to your policy you must have a Liability policy anyhow! But full coverage is quite the coverage option to add on top of it. Think of it!

Full Coverage is a wholly different coverage that protects your car, liability protects the others around you. Now, that is comprehensive because everyone is covered!

To illustrate the coverage difference imagine there’s a Bubble around your car, Liability Only Covers everything OUTSIDE OF THE BUBBLE. Whereas Full Coverage covers everything INSIDE OF THE BUBBLE.

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FULL COVERAGE INSIDE BUBBLE, LIABILITY OUTSIDE THE BUBBLE

The essential fact is you must choose a coverage you need and can afford. Below is Liability Only and the chart after is Full Coverage.

RankCompanyAverage price Liability
1Dairyland (Viking)$81.00
2Progressive$87.00
3Bristol West$96.00
4The General$98.00
5Mendota$120.00
6Liberty Mutual$125.00
7Travelers$130.00
LIABILITY ONLY
RankCompanyAverage price Full Coverage
1Mendota$132.00
2Progressive$137.00
3Travelers$137.00
4Bristol West$138.00
5The General$160.00
6Liberty Mutual$191.00
7Dairyland (Viking)$193.00
FULL COVERAGE
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2022 cheap full coverage car insurance tennessee

Let’s look at some sample rates for Full Coverage Policies in Tennessee, that are extremely reasonable.

SAMPLE RATE BREAKDOWN

Sample Rates in Tennessee
Sample Quote/ Policy location: Branson
Insured : Shailee
Current Company: Progressive
Previous Company: Dairyland/Viking
Who: Female Age: 31 Vehicle: Toyota Venza
Type of coverage: Full Coverage, Uninsured Motorist Coverage Bodily Injury
Notes: AutoPay Discount
Rate: $129.00
Sample Quote/ Policy location: Memphis
Insured : Paul
Current Company: National General
Previous Company: None
Who: Male Age: 24 Vehicle: BMW Z3
Type of coverage: Full Coverage, Rental, Towing
Notes: 1 Violation 2 years ago
Rate: $210
SAMPLE RATES

Why are the rates so different for Shailee and Paul? Well, there is a lot to unpack here so let’s break this down line by line starting with the Policy Location.

POLICY LOCATION: The zip code of the garaging address has a big impact on your rate. Certain zip codes are highly populated, meaning there is a higher likelihood of an accident occurring. If the chances are higher that the insurance carrier will pay out for damages, then that is all the proof they need to charge more for coverage. Zip code matters.

GENDER: The gender of the driver impacts the rate also due to the statistical likelihood that the man will get in the accident before the female will. Is it due to a reckless nature? Or is it because he drives more and therefore has more opportunities to wreck? No way to know for sure, but the numbers don’t lie.

Bristol West$128
AssuranceAmerica$135
Dairyland$136
GAINSCO$139
FEMALE RATES
Bristol West$150
Nationwide$161
21st Century$168
GAINSCO$169
MALE RATES

PREVIOUS INSURANCE CARRIER: If an insured is currently covered with another company, this can result in much better rates. Someone uninsured is a higher risk to take on, thus you may see a higher first payment to get the policy off the ground.

AGE: The age of the driver impacts the rate as well, a younger driver is more likely to get in accidents than their older counterparts. Once a driver is over 25 they typically see rate decreases by a significant amount. Younger drivers simply have less experience and the data shows they are prone to mistakes that lead to monetary loss.

THE VEHICLE: The vehicle’s year, make, and model make a tremendous difference in the policy premium. An older car may have less safety features than its new model, meaning new may be cheaper. A newer car with a make that is expensive to repair may end up costing you more however in today’s market.

cheap full coverage car insurance tennessee
2022 cheap full coverage car insurance tennessee
FactorRate Impact
Vehicle Performance (symbol)Medium
Anti-theft deviceLow
Annual MileageLow
Vehicle Safety FeaturesMedium
VEHICLE RATE FACTORS

Type of Coverage: Coverage cost money. Liability only, the basic form of insurance, could cost $80 at Dairyland. $80 for upwards of $50,000 of coverage in liability! Adding Full coverage with comprehensive and collision could cost an additional $70 or more depending on the deductibles. This goes for adding any other additional coverages like Medical Payments, Uninsured Motorist Coverage, Rental Coverage, Towing Reimbursement, and so on.

Extras: We added this section to cover certain items that are specific to each person. Whether it is violations you may have in the last 3 years or discounts you take advantage of. These can make your price drop or jump.

This breakdown is by no means exhaustive, give us a call for more information on quotes, discounts, bundles, and all your insurance needs in Tennessee!

Cheap Full Coverage Car Insurance Tennessee: ‘Should I get Full Coverage? Calculator’


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Full Coverage

HOW TO GET THE CHEAPEST FULL COVERAGE INSURANCE IN TN

If you have decided that full coverage is the way to go for you, how can you bring the price to the cheapest rate you can get it?

One crucial key is safety, if you have violations or accidents you could see your rate double or ever triple. The impact isn’t temporary either, a DUI could follow you for FIVE years!

Violation NameMajor, Minor, or Non MovingHow Long it Will Affect Your Insurance Rates
Using a Cell Phone with DrivingMinor3 Years
Failure to Use Turn SignalMinor3 Years
No Proof of insuranceNon MovingNA*
Running a Traffic Light or Stop SignMinor3 Years
Expired TagsNon MovingNA*
Failure to YeldMinor3 Years
Reckless DrivingMajor5 Years
Crossing over a Center DividerMinor3 Years
Failure to maintain Clear Distance (tailgatingMinor3 Years
Non-At-Fault AcccidentMinorNA*
Failure to Use a Seat BeltNon MovingNA*
Driving without a LicenseMajor3 Years
YOU PAY WHEN YOU PLAY

Check out the next charts that show the difference in price with and without a major violation!

National General$150
AssuranceAmerica$160
GAINSCO$164
Acceptance RTR$165
Dairyland$166
Mendota Ins. Company$167
LIABILITY ONLY DUI
National General$78
AssuranceAmerica$88
GAINSCO$116
Acceptance RTR$125
Dairyland$140
Mendota Ins. Company$98
LIABILITY ONLY CLEAN RECORD

Now that is quite a significant price difference that could have been avoided if safety was taken into account. In some cases to get your cheap full coverage car insurance Tennessee you’ll need a SR22 filing. (Ask us all about SR22 TENNESSEE INSURANCE)

CARRIERS OFFERING SR22FEE
Assurance America$25
Bristol West$35
DairylandFree
Gains Co$25
Mendota$25
Progressive5% (average)
State FarmSR22 Not available
The General$25
TravelersSR22 Not available
SR22 FILING FEE

As you can see above the filing fee isn’t more the $25.00 in most cases. The thing that makes an insurance policy with SR22 high is the violations associated.

CHEAP FULL COVERAGE CAR INSURANCE TENNESSEE – DISCOUNT OPTIONS

You can offset the cost of your rate with discounts that can bring your monthly premium down. From your payment method to your marital status, these rating factors can save you cash getting you the cheap full coverage car insurance Tennessee that you are looking for!

Impact on ratesDiscounts Available
MildHomeowners
HighAdvanced Quote
MildMulti Vehicle
HighPaid in Full
MildMilitary
MildMarried
MildEducation Discount
MildPaperless Discount
MildMulti Policy

WHY CAN’T I FIND CHEAP FULL COVERAGE CAR INSURANCE IN TENNESSEE?

There are many reasons why you may struggle to find the coverage you need for your auto insurance in Tennessee,

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TENNESSEE INSURANCE CARRIERS

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HOW CAN I SAVE MONEY ON MY FULL COVERAGE CAR INSURANCE?

OTHER HELPFUL LINKS: SUGGESTIONS

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Last Updated on by Marlon Moss