FAQs About Non Owners Insurance Tennessee and Affordable Auto Insurance Near You
Looking for affordable coverage that fits your needs? Learn everything you need to know about non owners insurance Tennessee and how to find cheap auto insurance near you to save money while staying protected.
Frequently Asked Questions
About Non Owners Insurance Tennessee
1. What is non-owners insurance?
Non-owners insurance is a type of policy designed for individuals who don’t own a vehicle but occasionally borrow cars. It provides liability coverage for bodily injury and property damage, ensuring you meet financial responsibility laws. However, it does not include collision or comprehensive coverage for the vehicle you drive.
2. Who needs non-owners insurance in Tennessee?
This insurance is ideal for individuals who don’t own a car but still need coverage, such as those renting vehicles, borrowing cars, or needing an SR-22 to reinstate their license. It’s also beneficial for maintaining continuous coverage to avoid higher future rates.
3. How much does non-owners insurance cost in Tennessee?
The cost varies but typically ranges from $200 to $500 annually. Factors like your driving history, age, and chosen coverage limits influence the final price.
4. What does non-owners insurance cover?
Non-owners insurance covers liability for bodily injury and property damage caused to others. Some policies may also include uninsured motorist or medical payments coverage, but it doesn’t cover damages to the vehicle you’re driving or personal property.
5. What is the cheapest auto insurance near me?
Finding the cheapest auto insurance depends on your specific situation. Comparing rates from providers like Progressive, Dairyland, and The General can help you secure affordable coverage tailored to your needs.
6. How can I find cheap auto insurance near me?
You can lower your insurance costs by comparing quotes, bundling policies, maintaining a clean driving record, and choosing higher deductibles. Working with multiple insurance companies through an agent ensures you get the best deal.
7. What are the minimum car insurance requirements in Tennessee?
To drive legally in Tennessee, you need at least $25,000 in bodily injury coverage per person, $50,000 per accident, and $15,000 for property damage. Additional coverage is recommended for better protection.
8. Can I get SR-22 insurance with a non-owners policy in Tennessee?
Yes, non-owners policies can include an SR-22 filing, which is often required after a serious driving violation. This allows you to meet the state’s financial responsibility requirements without owning a car.
9. What factors affect my car insurance rates?
Insurance rates are influenced by your driving history, credit score, location, vehicle type, and the coverage options you select. A clean driving record and good credit can help lower premiums.
10. Are there discounts available for Tennessee drivers?
Many providers offer discounts for bundling policies, maintaining a good driving record, or participating in programs like Progressive’s Snapshot. Ask your agent about military discounts and accident-free savings.
11. How do I get a quote for non-owners insurance or cheap auto insurance?
To get started, call 1.888.445.2793 to speak with an agent or visit our Get a Quote page for a quick online estimate.
Why Choose Our Agency?
We specialize in working with top providers like Progressive, Dairyland, and National General to offer competitive rates. Whether you need help filing an SR-22 or finding the best affordable coverage, we’re here to guide you through the process with personalized service.
Still have a question?
If you have any other queries about non owners insurance Tennessee, feel free to reach out to us. Our knowledgeable team is here to help!
People Say The Nicest Things
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Danny U.10/11/2023Crystal was super helpful and patient throughout the application process and explained the details and options clearly. She took care of me and saved me money!read moreread lessChaos G.10/14/2022Was amazing and I received a great quote....would definitely recommendread moreread lessMaulik K.5/21/2022I worked with Lauren McKenzie for my quote. I moved from Georgia recently and my insurance with Geico went up 3x literally. I worked with Lauren for quotes for 2 cars and 2 people including my spouse and surprisingly quote was lower for 2 people then currently I am paying for a single person. Moreover she guided me how to change registration/plates after get insurance card. I 100% recommend this company to my friends and family. I would recommend promotion/hike for Lauren McKenzie.Thanks
Owner Response: Thank you so much Maulik, it was a pleasure getting your insurance policy set up.read moreread lessChris G.2/02/2023Marlon was amazing! Super helpful, and kept everything very simple, and actually tried to get me the lowest rate! Most places just say that and don’t really do it. I’ll be recommending this place to anyone lookin for insurance!read moreread lessJoseph H.10/21/2021Jolie did an amazing job and was very professional.read moreread lessSoraya M.7/21/2021Amazing amazing amazing.!!! Jola made the process so easy and helped out so much . She was simply amazing I recommend coming here for low cost insurance !read moreread less - Gavalian B.6/21/2022notes:
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- Brock B.6/06/2023Really great customer service! The whole process was simple and easy to understand. I was able to complete my insurance needs in one call! I would definitely recommend giving this company a call.read moreread lessEvan P.7/21/2021Crystal does great everytime I wouldn't want anyone else! Very good.read moreread lessRJ K.4/21/2022Jola did an excellent job from the time we changed vehicles through the time when our policies renewed, all within a month. Very knowledgeable and provided outstanding service. By changing auto insurance companies and modifying our coverage she worked hard and saved us about $1,000. Highly recommend.
Discounts Applies: Proof of Prior, Home owner, Multi vehicle, safe driver, paperlessread moreread lessRichard F.3/25/2023Lauren and Crystal were extremely nice and very professional. Lauren was very patient and understanding walking me through the transfer of my insurances step by step. So glad I changed and she saved over 300 a year. Thank you again Lauren and Crystal! I highly recommend them for you insurance needs.read moreread lessAngela C.10/21/2021Katie is amazing, it was super quick and easy!read moreread lessArlene H.1/19/2023Marlon Moss with A Plus Insurance was great helping me find insurance after I dealt with lapse if coverage due to identity theft. He looked around for lowest priced insurance with good coverage for us and we got it immediately the same day actually within the same phone call! Marlin is great talk to and has wonderful communication skills. That's why I've given him five stars.read moreread less
How Our Agents Can Assist You
Our agents are committed to understanding your individual needs. They will guide you through the entire insurance process, ensuring that you get the right protection for property.
What We Do at A Plus Insurance
Homeowners, renters, and mobile home owners: make sure you have the protection you need.
How to Get a Free Quote and Save!
01.
Contact Us
Start by reaching out to us, either online, by phone, or in person. Provide basic personal and vehicle information to initiate the quote process.
02.
Details
Provide more detailed information about your driving history, the vehicle you wish to insure, and any specific coverage needs or preferences you have
03.
Quote
We will process your information and present you with a customized insurance quote, outlining coverage options and prices tailored to your needs.
04.
Decision
Review the provided quote at your leisure. If you decide to proceed, you can finalize the policy, setting up payment and coverage start dates.
Last Updated on by Marlon Moss
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