How much is car insurance in Murfreesboro, TN?

Murfreesboro, Tennessee is part of the greater Nashville metropolitan area. It is the center of population in the State of Tennessee, even though it is no longer the state capitol.

In the 2010 census, Murfreesboro’s population was listed as 108,755 individuals. It is the home of Middle Tennessee State University. The main industries in the city are:

  • Nissan Manufacturing
  • Government offices and facilities
  • Middle Tennessee State University
  • Insurance companies

Automobile Insurance Data

Automobile insurance is required by individual states in the United States. The intent of automobile insurance is to protect drivers from the financial repercussions of an automobile accident so it is considered a necessity for the common good. Each state requires limits of liability that are unique to the state.

Tennessee is what is called an at-fault state in which people can sue each other over damages caused by a car accident to recover costs incurred.

In Tennessee, the statutory limits of liability required are:

  • $25,000 per person/$50,000 per accident bodily injury. Bodily injury insurance coverage applies to your responsibility if someone is injured as a result of a car accident.
  • $15,000 per accident property damage. Property damage coverage applies to your responsibility for property damaged as a result of a car accident.
  • $25,000 per person/$50,000 per accident bodily injury in the event that an uninsured motorist causes an accident in which you are involved.
  • $15,000 per accident property damage if an uninsured motorist damages your property.

Are the Required Limits of Liability Enough?murfreesboro-car-insuranceThe statutory limits of liability probably will not adequately protect you because these limits were set before inflation boosted medical costs and costs for cars.

You, as an individual, are responsible personally for any damages above and beyond those covered by your insurance company.

Additional coverage should be purchased to fully protect you financially. Notice that the state does not require that you purchase insurance to reimburse you if you are at fault in an accident.

You should purchase the following two types of coverage:

  • Comprehensive This pays for damage to your own vehicle for fire, theft, animal collision (such as deer), glass, and weather damage. A deductible applies.
  • Collision This pays for damage to your car caused by collision. A deductible applies to this also.

Comparison Shopping for Car Insurance

When shopping for car insurance, compare costs with different insurance companies.

Each company bases rates on statistical information from experience with losses.

For example, comparing costs on automobile insurance in Murfreesboro, TN the following premiums were quoted:

Insurance Company #1 – $548.00 every six months

Insurance Company #2 – $242.00 every six months.

Be sure, when comparing premiums, to compare coverage exactly.

Murfreesboro Car Insurance