Auto Insurance in Johnson City, TN

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Hello From Johnson City

Johnson City sits mostly in Washington County in the eastern tip of the State of Tennessee. While there are around 71,000 people within the city limits, there are over 200,000 in the greater metropolitan area. It currently stands as the eighth-largest city in the Volunteer State. Johnson City got its start as a railroad station named “Johnson’s Depot.” It grew to be a major hub for rail in the Southeast United States with multiple railway lines crossing there. As railroad and mining developed in the area, Johnson City experienced rapid growth until the late 1800s. During the Prohibition era, this town became known as “Little Chicago” thanks to its connection to bootlegging in the Appalachian Mountains. It has been rumored that Johnson City was a distribution center for the notorious Al Capone. It’s believed that he resided part-time in Montrose Court, a local apartment complex that is on the National Register of Historic Places.

Old-time music fans may know of Johnson City as the location of the Johnson City Sessions, a set of influential recording auditions conducted by Columbia Records. Classic recordings such as Clarence Ashley’s “The Coo-coo Bird” and The Bentley Boys’ “Down on Penny’s Farm” are some of the most important and influential early country recordings that inspired and influenced many folk musicians, including the likes of Bob Dylan and Joan Baez. Johnson City is also the birthplace of the longtime popular citrus soda, Mountain Dew. It was founded in 1940 by beverage bottlers in the state. Owner PepsiCo introduced a malt-flavored version in 2012 called Mountain Dew Johnson City Gold in honor of the location. Johnson City boasts a proud legacy in American history and culture, making it a fun place to be. Before you set out for East Tennessee, here’s what you should know about auto insurance in Johnson City, TN.

Local Car Insurance Requirements

Tennesseans are required to carry auto insurance as proof of financial responsibility. Being a responsible motorist isn’t just about having a clean driving record and a well-maintained ride, it’s also about having sufficient auto insurance in Johnson City, TN. The Volunteer State wants to ensure that motorists can cover the damages associated with vehicular collisions or incidents. Driving around town with the cash needed to cover expenses is neither feasible nor practical, which is why you must have auto insurance in Johnson City, TN. The State of Tennessee expects you to have these coverage minimums:

  • Injury or death per person per accident: $25,000
  • Total injuries or deaths per accident: $50,000
  • Property damage per accident: $15,000

Failure to carry sufficient insurance can result in fines or loss of driving privileges. As you ponder having auto insurance in Johnson City, TN, consider the likelihood that you may need higher coverage levels. If you were to be at fault in an accident that involved significant bodily injury or death, the claim against you could exceed $50,000.

If you’re financing your vehicle or leasing it, your lender or dealer will require you to have a policy for auto insurance in Johnson City, TN, that would include collision and comprehensive coverages. The latter protection can cover your losses if your car is stolen, vandalized or damaged in a non-collision-related incident. Think carefully about how you and the other people who would be named on your policy drive and use vehicles. Other benefits such as roadside assistance, towing costs and rental car reimbursement are worth considering for your plan for auto insurance in Johnson City, TN.

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

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