Auto Insurance
Auto Insurance Quote Forms
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Auto Insurance Customer Service Options
Self policy service any time of the day, directly from our website. To request a policy change on your account, click any of the following policy service options below.
Auto Insurance Information
By law, every Tennessee driver must have car insurance. But you shouldn’t consider this requirement to be a burden. Instead, consider it an investment that will protect you and your car in the face of numerous hazards. Everyone deserves to have security behind the wheel, and the reassurance provided by car insurance will make sure you do.
At Newman Insurance, we believe that it shouldn’t be difficult to get the car insurance that is perfect for you and your vehicle, and that fits your budget. For help putting together the policy that will provide optimized benefits to your advantage, just call us at (615) 452-7439 or request your free quote online now!
Common Auto Insurance Questions
Cars are both valuable and dangerous. They are heavy machines that cost a lot of money to maintain. You need to be able to take responsibility for the costs that might arise from a variety of hazards and challenges, including wrecks, vehicle fires, storm damage and accident lawsuits.
With the help of your auto insurance, you will be able will be able to receive compensation for the costs that arise from these unexpected incidents. Your policy will create a structured way to afford your accident costs, and you won’t have to face a huge personal financial loss just because of a problem that you could not have anticipated.
There are a variety of costs that could arise following a problem with your car. Therefore, your auto policy will usually offer several different types of coverage, including:
• Liability Insurance: When an accident is deemed your fault, this coverage help you pay for the damage you do to others (such as other drivers) who weren’t in the car with you.
o Bodily Injury Liability Coverage: This plan pays for third-party medical bills and sometimes for death benefits.
o Property Damage Liability Coverage: This pays for damage to the other party’s property.
• Collision Insurance: This covers damage to your own vehicle that you sustained in a wreck.
• Comprehensive Insurance: This coverage pays for damage from non-accident mishaps, such as weather damage, fires, theft, vandalism or similar accidents.
• Medical Payments Coverage/Personal Injury Protection: If you get hurt in an accident, this coverage can pay for your medical bills. It sometimes will cover other losses, like lost income.
• Uninsured/Underinsured Motorist Insurance: This insures you against damage caused by someone else who doesn’t have appropriate liability coverage. If you are the victim of a hit-and-run, for example, then this coverage can pay for your car’s damage.
Other available perks that you can use to your benefit include:
• Roadside assistance
• Rental car reimbursement
• Custom parts coverage
• Replacement cost vehicle coverage
• Vanishing deductibles
• Gap insurance
If you fail to carry auto insurance in Tennessee, you will face fines and a potential loss of your driving privileges. All policies issued to Tennessee drivers must contain at least the following coverage:
• $25,000 bodily injury liability insurance per person
• $50,000 bodily injury liability insurance per accident
• $15,000 property damage liability insurance
You can and should increase your minimum liability insurance limits. It’s also worthwhile to add other benefits like physical damage insurance and uninsured/underinsured motorist coverage to your policy.
If you are concerned about whether these extra limits will increase your premium, don’t let that stop you. Our insurance experts know exactly how to compare the plan options within our carrier network to help you get increased benefits without driving your rates up.
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