If you want to get the best Nashville car insurance there is, you might want to do a comparison check with car insurance companies to see which one has the best offers for you. This can be done by simply using the quote form above and following the directions.
By comparing companies you stand a better chance of not only finding one that meets your needs, but your budget as well. Giving yourself and your family the peace of mind you all deserve while on the road. This is important which is why you should be out there seeking the right kind of auto insurance for everyone’s protection.
Nashville Car Insurance Agents
If you choose to shop in person for auto insurance rather than online you’ll need a good agent. Here are some local agents in Nashville from the nation’s largest insurers.
Allstate has 9 agents in Nashville itself and another dozen or so more in places like Brentwood, Hermitage, Goodlettsville and Franklin.
Farmers insurance has a few more agents in the area with around a dozen in Nashville itself and around 40 more within about 20 miles of downtown.
Nashville has one Geico insurance agent located at 14981 Old Hickory Blvd.
Progressive does not have any of it’s own agents in Nashville itself, but it does work with 5 insurance agencies and brokers in the city.
State Farm is the leader of local agents. They have 35 in Nashville itself and 15 more in places such as Madison, Brentwood, Antioch, and Hermitage.
Your insurance agency not listed? If you own an insurance agency that operates in Nashville and would like to be included in our listings above please use our contact form. At the current time we do not accept individual agent listings except as part of our paid featured listing option.
Expected Nashville Auto Insurance Rates
For a city of it’s size Nashville auto insurance rates are on the whole relatively affordable. According to CarInsurance.com premiums for 2011 are $1,182 per year. This is higher than the Tennessee average of $950 per year, but lower than the national average which is almost $1,500.
This more or less confirms data obtained from the Insurance Information Institute that have found Tennessee to be cheaper than the US average for car insurance. Nevertheless, if you want to see real savings you’ll still need to get a free quote or two to find the most affordable policy for you.
Driving in Nashville, Tennessee
Nashville is not the safest or most fun place to drive in the United States. According to the INRIX National Traffic Scorecard the city is the 32nd worst for traffic congestion but only the 38th largest metro area. Essentially this means it is doing worse than it should be.
The worst highway for driving in terms of traffic is the I-440 east bound From: TN-1/END AVE/EX 1 To: US31 ALT/US41 ALT/Nolensville PK/EX6. It ranks as the 98th worst section of road in the whole country. Other problem roads include the I-40, I-65, and the I-24.
Finally, you should keep in mind that according to the National Highway Traffic Safety Administration Davidson county is second only to Shelby county when it comes to road fatalities. You can get live updates from the Nashville police website. Therefore be careful when driving in Nashville as there is an abundance of bad traffic and accidents.
Tennessee Auto Insurance Laws
There are many Tennessee traffic laws you should know about. Perhaps the most important are the Financial Responsibility Laws which govern how much and what type of insurance you need. Currently auto insurance or some other proof of financial responsibility is mandatory in Tennessee and you’ll need at least:
- $25,000.00 worth of bodily injury liability insurance coverage for one injury or death;
- $50,000.00 worth of bodily injury liability insurance coverage for all injuries or deaths;
- $15,000.00 worth of property damage liability insurance coverage for property damage for one accident;
Unlike many other states Uninsured/Underinsured motorist coverage and Personal Injury Protection (PIP) coverage are not required. Nevertheless, if you want to be properly protected you should at least consider getting these and other forms of car insurance. The more insurance you have the safer you’ll be financially.
Keep in mind that Tennessee is an ‘at-fault’ operating under the tort law system of personal and financial responsibility. In simple terms this just means those who have accidents have to pay the costs. Most commonly this comes from their insurance policy but if they don’t have insurance and/or don’t have enough insurance they will have to pay costs out-of-pocket.
Finally, you are always required to show proof of insurance and/or financial responsibility. For most drivers your insurance card will serve this purpose. Failure to purchase adequate insurance could result in a Class C misdemeanor. Fines and license suspensions will then follow.
Your Nashville Car Insurance Quotes
Since there are dozens of insurance companies out there that are offering Nashville, TN car insurance, you might want to shop around first to find out which one works well for you.
One of the most recommended methods is for you to get instant quotes for your car insurance. By completing the zip code form that appears on the bottom of this page you’ll be well on your way to finding companies wanting to offer you a quote.
When looking for insurance quotes online, you are sure to come across cheap auto insurance. Just be sure to take your time when browsing since you are sure to be getting some pretty decent deals for your protection while on the road.
While traveling around Nashville, it is important that you get yourself proper coverage in case an accident occurs. You don’t want to find yourself without anything to fall back on. Be sure to consider scouring several auto insurance companies to find the best coverage for you.
There is simply no reason for you not to have the protection you and your family deserve while you are in and around Nashville. Especially when you can get Nashville car insurance today. Not only can you get affordable rates, but coverage that fits perfectly with what you had in mind.