Auto Insurance in Franklin, TN

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How Do You Choose the Right Car Insurance Plan?

If you're near Nashville and driving to Franklin, Tennessee, you probably use highways such as 246, 431, and 31. These roads are great ways to decrease your commute to Williamson County's seat, but they're both dangerous and illegal to use if you don't have car insurance in Franklin, TN. If you're uninsured or you just bought a car for the first time, here's how you choose the right auto insurance plan.

1. Know Your State's Laws

Tennessee does not mandate that its drivers have auto insurance, but it does require drivers to prove that they can handle all bills associated with getting in an accident. If a police officer pulls you over for speeding on Downs Boulevard or failing to come to a complete stop as you leave the parking lot at Biscuit Love Franklin, he or she will ask to see proof of financial responsibility. Unless you have high levels of disposable income and are willing to register bonds or deposits with Tennessee's Department of Revenue, this means signing up for car insurance in Franklin, TN.

For drivers who don't want to claim financial exemptions, Franklin residents must have policies with the following limits:

  • $15,000 in property damage liability coverage
  • $25,000 in medical liability coverage for one death or injury
  • $50,000 in medical liability coverage for all deaths or injuries

In addition to these requirements, some lenders stipulate that their clients take out comprehensive coverage and collision insurance. These policies help you cover repairs that aren't related to an accident, such as damage from falling trees or vandalism.

2. Think About Your Risks

Your risk level is another major consideration when you're purchasing car insurance in Franklin, TN. Are there any reasons you should purchase more insurance than the minimum requirements? For example, if you're an inexperienced driver, you're more likely to get in an accident. Similarly, if your kids are old enough to drive and they're on your insurance plan, your chances of being liable for a collision go up.

3. Consider Your Car's Value

Next, think about how much your car is worth. The more expensive your car is, the higher your limits should be. That way, you have help paying for all your repairs after an accident.

4. Evaluate Your Budget

Having higher limits means that you have more coverage, but it also means that your monthly premiums are higher. Look at your budget and determine how much you can realistically pay each month and talk to your insurance broker about modifying your coverage to reflect your finances.

One way to lower your car insurance costs is to choose a higher deductible. Your deductible is how much you must pay when you file a claim for car insurance in Franklin, TN. Should you get in an accident, you must pay more, but your monthly premiums are lower because your insurance provider isn't liable for as much damage.

5. Ask for Expert Advice

Purchasing car insurance can be overwhelming, so asking for expert advice is a good way to pick a plan that accounts for your state requirements, risk of getting in an accident, and finances. Bring lots of questions to your insurance consultation and ask an accountant about ways to budget for your monthly premiums.

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

Auto insurance in Tennessee by city

Understand risks, minimum state coverage requirements, average costs and other specifics that can impact auto insurance policies and premium rates in your city.