Auto Insurance in Chattanooga, TN

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Chugging Along in Chattanooga

Chattanooga is the fourth-largest city in Tennessee and along with Knoxville, is one of the principal cities of East Tennessee. Many roads lead to and through Chattanooga as it is a transit hub situated between Knoxville, Nashville, Atlanta, Birmingham, and Huntsville (Alabama). Chattanooga sits at the transition between the Cumberland Plateau and the ridge-and-valley section of the Appalachian Mountains, earning it the moniker “Scenic City.” This city was immortalized in the 1941 hit song “Chattanooga Choo Choo” by Glenn Miller and His Orchestra, which is on record as being the first song to receive a gold record. Chattanooga is more than just a jazzy tune. It is considered the birthplace of the tow truck and so you can visit the International Towing and Recovery Hall of Fame and Museum in town. The Tennessee Valley Railroad Museum, also in town, celebrates one of the greatest icons of transportation, the passenger train.

Moving and grooving in Chattanooga means getting into many of the attractions this place has to offer. Besides transit and transportation-related museums, there’s also culture and history offered at the Hunter Museum of American Art, the Chattanooga History Center, the National Medal of Honor Museum, the Chattanooga African American museum, and the Creative Discover Museum. Residents and visitors can also explore natural wonders and attractions along and across the Tennessee River. The Tennessee Aquarium and Chattanooga Zoo at Warner Park provide sights and sounds for animal enthusiasts of all ages. Between the Tennessee River, the railways and the highways, there are many ways to get here for good, but you’ll need to have a plan for auto insurance in Chattanooga, TN, before hitting the streets.

Driving in the Scenic City

First things first. Vehicle operators are required to have auto insurance in Chattanooga, TN. This is how you demonstrate the financial responsibility that the Volunteer State requires of its residents. Not only do you need to know how to drive and understand the rules, but you also need to prove that you can cover the expenses associated with a driving incident. Many Chattanoogans aren’t rolling around town with enough cash to pay for a collision or medical bills for the persons involved. Having auto insurance in Chattanooga, TN, covers you in this regard, if it includes these liability coverages:

  • At least $15,000 for property damage per accident
  • At least $25,000 for injury or death per person per accident
  • At least $50,000 for total injuries or deaths per accident

These basic coverages keep you compliant with state law which prevents you from having to pay fine or have your driving privileges suspended. A more realistic plan for auto insurance in Chattanooga, TN, should include higher levels of coverage as property damage could easily exceed $15,000 if a luxury vehicle was totaled or an accident involved multiple vehicles or damaged objects.

If you’re leasing your car or financing it, you may be required to have auto insurance in Chattanooga, TN, which includes collision and comprehensive coverages. There are a lot of drivers in Tennessee’s fourth-largest city, and you may find yourself in an accident with an at-fault driver who is uninsured or doesn’t have enough insurance. In this case, a plan that includes uninsured/underinsured motorist benefits would be the move to make. When shopping for auto insurance, you want a plan that includes features that reflect the way you drive. Many plans also add benefits for towing vehicles, paying for rental cars and even roadside assistance.

This information is intended for general informational purposes only and is not intended to constitute legal advice.

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