Auto Insurance in Knoxville, TN
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Driving in the Gateway to the Great Smoky Mountains
Knoxville is the third-largest city in Tennessee. Although approximately 200,000 live within the city limits, Greater Knoxville is home to almost 870,000 Tennesseans. It is the largest city in the East Grand Division of the Volunteer State and was the first capital of the state. Knoxville is home to the University of Tennessee and its many sports teams playing as the Volunteers give locals and visitors plenty of games to get into. Knoxville is one of the largest cities in the Appalachian region of the United States. A fount of knowledge and information on Appalachian culture, this city has positioned itself as the “Gateway to the Great Smoky Mountains.” While early Knoxville may have been considered a rowdy river town, today it’s a major center for business, culture, and college sports.
When you think of major centers for business, the “Marble City” may not be the first that comes to mind. Although the area was originally a hub for manufacturing and wholesaling, today’s Knoxville has a very diverse economy with significant commerce in government, education, healthcare, professional services, retail, and hospitality. Forbes magazine recently named Knoxville as one of the top 5 centers for business behind the likes of New York City and Los Angeles. With over 19,000 registered businesses and a revitalized business district, it’s not so hard to understand why. If you’re not here for the business or a University of Tennessee education, you might be here for the arts scene. Music fans can take in everything from punk rock to classical thanks to the local orchestra and music festivals. Whatever brings you to this gem of East Tennessee, getting around will be difficult without car insurance in Knoxville, TN.
Knoxville Car Insurance Requirements
The State of Tennessee requires all drivers to be able to demonstrate proof of financial responsibility, especially after an automobile accident. Walking around with a bank statement showing how much money you have won’t cut it here or anywhere within the Volunteer State. Having car insurance in Knoxville, TN, is the best way to show that you’re financially responsible as a vehicle owner or operator. Failure to have coverage carries several fines at a minimum and at worst, you can have your driving privileges suspended. Getting around without a car is not so easily done, so you’ll need a policy for car insurance in Knoxville, TN, that has these minimum coverages:
- $25,000 for each injury or death per accident
- $50,000 for total injuries or deaths per accident
- $15,000 for property damage per accident.
In an area as heavily populated as Knoxville, these minimum coverages may not be sufficient. Furthermore, if your vehicle is financed by a lender, you may have to add the following coverages:
- Collision: Covers the cost for repair or replacement of a vehicle in a collision
- Comprehensive: Protects from non-collision-related losses such as theft, vandalism, and certain weather events.
- Underinsured or uninsured motorist: Covers costs from an accident involving an at-fault driver who has insufficient liability insurance or none.
A good plan for car insurance in Knoxville, TN, should account for the type of incidents and damage that can occur driving in this area. Given the cost of vehicles and medical expenses, it’s important to find car insurance in Knoxville, TN, that has sufficient coverage. Consider a plan that also offers benefits such as towing expenses, rental car reimbursement and roadside assistance.
This information is intended for general informational purposes only and is not intended to constitute legal advice.