Auto Insurance in Memphis, TN
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Driving in the Home of the Blues
When it comes to having a rich cultural legacy in American history, entertainment and cuisine, few places can compare to Memphis, Tennessee. It’s the second-largest city within the Volunteer State and is widely considered the birthplace of blues music, a distinctly American art form from which many other musical genres, including rock, soul and country descend. Beale Street was the home of many of the city’s historic blues clubs that gave way to the Memphis blues sound of the early 1900s. Memphis is the largest city situated on the Mississippi River and it was established as a major center for trade and business in the American South. It is the anchor of West Tennessee and has had played a prominent part in the American civil rights movement. Today, it is home to the National Civil Rights Museum, a Smithsonian institution.
Another thing that comes to mind to many people when they hear the word “Memphis” is good food. Memphis barbecue is globally recognized, and this area is known as the center of one of the four distinct barbecue styles in the States. Locals and visitors flock to town for the World Championship Barbecue Contest, held here every May. This month-long festival is noted in the Guinness World Book of Records as being the largest pork barbecue contest on the planet. It is covered by both the Food Network and the BBC and attracts well over 100,000 visitors to Memphis each year. Whether you prefer your ribs dry or wet, Memphis is the place to be with many of its barbecue restaurants having national prominence for lip-smacking-good eats. There are many reasons to call Tennessee’s second-largest city home and many roads to get here. Before you hit the highway, here’s the lowdown on having car insurance in Memphis, TN.
What You Need to Know
Operating a vehicle within the Volunteer State means being able to show that you can take care of your financial responsibilities as a driver. This doesn’t mean carrying a wad of cash in your glove compartment on a day trip to Graceland. It means having a policy for car insurance in Memphis, TN, that includes the minimum liabilities:
- $15,000 to cover property damage for each accident
- $25,000 to cover each injury or death per accident
- $50,000 for coverage of total injuries or deaths for each accident
Without sufficient car insurance in Memphis, TN, if you’re at fault, you could be paying hundreds of thousands of dollars for bodily injuries and damages out of pocket. Furthermore, you would be in violation of state law resulting in fines and possible suspension of driving privileges.
In a place as heavily populated as Memphis, you’ll share the roads with all kinds of drivers and vehicles, so the minimum liability requirements may not be enough for car insurance in Memphis, TN. If you’re leasing or financing your car, you may be required to have additional benefits such as collision and comprehensive coverages. These benefits cover damages related to crashes and non-crash incidents respectively.
A serious car accident could put your vehicle out of commission in the short-term and the long-term. When shopping for car insurance in Memphis, TN, you should ponder other benefits such as coverage of towing expenses. When you add the cost of a rental car, your expenses can add up quickly. Look for a plan that also includes rental reimbursement.
This information is intended for general informational purposes only and is not intended to constitute legal advice.