Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which are controlling. Such terms and availability may vary by state and exclusions may apply. Discounts may not be applied to all policy coverages.
If you live in the South, Midwest, or Mid-Atlantic regions, Erie Insurance is worth your consideration. Erie has consistently received high marks from J.D. Power and Consumer Reports, but didn’t make it into my top four recommendations due to limited availability — it only serves residents in Illinois, Indiana, Kentucky, Maryland, New York, North Carolina, Ohio, Pennsylvania, Tennessee, Virginia, West Virginia, Wisconsin, and certain parts of DC.

Example (Comprehensive): You park your car outside during a major hailstorm, and it's totaled. If you have comprehensive, we'll pay out for the full value of your car (minus your deductible amount). Example (Collision): You back out of your garage, hit your basketball hoop, and cause $2,000 worth of damage to your vehicle. If you have collision, we'll then pay for your repairs (minus your deductible amount).


Collision and comprehensive only cover the market value of your car, not what you paid for it—and new cars depreciate quickly. If your car is totaled or stolen, there may be a “gap” between what you owe on the vehicle and your insurance coverage. To cover this, you may want to look into purchasing gap insurance to pay the difference. Note that for leased vehicles, gap coverage is usually rolled into your lease payments.
Snapshot is a free program that personalizes your rate based on your ACTUAL driving. The safer you drive, the more you save. The average driver saves $130 with Snapshot.** You don’t even need to be a Progressive customer to try it. Just call us and request the plug-in device. After one month of safe driving, you’ll find out how much you can save with Progressive! See more on Snapshot.
If you own your home and have plenty of other assets, you should consider buying a policy with higher coverage limits than what is normally offered. For more peace of mind, consider buying the top tier of auto coverage to protect your family. With more coverage in place, you can ensure you won’t run out of coverage in the event of a catastrophic accident – or worse, get sued by someone who plans to go after your assets in court.

At the end of the day, the type of driver you are and how often you drive may play a part in the coverage limits you select. If you drive infrequently, you may be more comfortable with lower or average limits. If you drive at high-risk times or commute back and forth to work, on the other hand, more or better coverage might help you sleep better at night.


Comprehensive covers theft or damage caused by something other than a collision with another car or object. This includes vandalism, natural disasters, and damage caused by animals. If you live in an earthquake-prone region or one with high deer populations, comprehensive coverage will protect against those environmental factors beyond your control.
Unlike your education level or gender, your credit has a big impact on your insurance rate. Drivers with poor credit (524 or below) pay more than twice what those with excellent credit (823 or more) pay for auto insurance. Again, this has to do with how insurance companies view drivers with poor credit in terms of risk. A driver with poor credit is more likely to file a claim than a driver with excellent credit. Moreover, when a claim is filed by a driver with poor credit, the claim payout by the insurance company tends to be higher. Insurance companies cover this risk by charging those with poor credit scores higher rates.
At the end of the day, the type of driver you are and how often you drive may play a part in the coverage limits you select. If you drive infrequently, you may be more comfortable with lower or average limits. If you drive at high-risk times or commute back and forth to work, on the other hand, more or better coverage might help you sleep better at night.
Insurance is offered by Safeco Insurance Company of America and/or its affiliates, with their principal place of business at 175 Berkeley Street, Boston, Massachusetts, 02116. This website provides a simplified description of coverage. Nothing stated herein creates a contract. All statements made are subject to the provisions, exclusions, conditions and limitations of the applicable insurance policy. Please refer to actual policy forms for complete details regarding the coverage discussed. If the information in these materials conflicts with the policy language that it describes, the policy language prevails. Coverages and features not available in all states. Eligibility is subject to meeting applicable underwriting criteria.
Companies do not have a standard rule as to what is considered high risk. If you have had an accident or moving violation the variance in premium will differ from company to company. You may have to get several quotes before finding the company that will work with a poor driving record. If you are diligent, then you should be able to find a rate you can live with.
Full Agreed Value Guaranteed, No Deductible in Most States, Full Comprehensive and Collision, Liability With Limits Up To $1,000,000, Uninsured/Underinsured Motorist, State Required PIP As Medical Benefits, Inflation Guard Value Protection, Spare Parts Inventory Coverage up to $500, Trip Interruption up to $600, Towing and Labor up to $250, Automatic Coverage on Newly Acquired Vehicles, Uninterrupted Coverage During Repairs when your car Is in a shop, and More!  In addition, just one low liability payment covers all your cars!
If you have a clean driving record — no at-fault accidents, speeding tickets, DUIs, or other recent citations — you'll probably enjoy relatively cheap car insurance rates. Conversely, a bad driving record will cause your costs to skyrocket: car insurance premiums typically increase by 31% after a DUI, 26% after an at-fault accident, and 15% after a speeding ticket in Tennessee. The post-citation penalties assessed by car insurance companies in Tennessee are slightly more forgiving than nationwide averages. If you have a clean driving history, be sure to inquire about your insurance company's safe driver discount.

We can help you figure out if you need rental car insurance. The short take: If you don't have auto insurance, yes, you most likely need coverage. If you have robust car insurance, you might simply need a collision damage waiver as it’s the only way to ensure you won’t pay the rental company any damages in case of an accident. Of course, it gets more complicated from there. For the long take on car rental insurance, head here.
Our Thoughts: Liberty Mutual is a mediocre insurance company. The competitiveness of Liberty Mutual’s car insurance rates will depend on your geographic location. While this is often true with most insurers, Liberty Mutual’s rates vary more than typical. In addition, Liberty Mutual’s customers rank the insurance company’s claims satisfaction process as below average.
Common car insurance coverages to consider include liability, which most states require you to have, and collision coverage. Liability will help pay for another person’s injuries as well as the damages to their car if you’re found at fault. Liability coverage does not pay for the repairs to your vehicle, that’s where collision coverage comes into play. Collision coverage is typically an option, unless your lender requires you to carry this coverage. It will cover the costs to repair your vehicle after a car-collision.
3AAADrive™ participation is optional. Subject to terms, conditions and availability. AAADrive Auto Insurance Discount is not available in all states. Download of the mobile app, activation of AAADrive and the ability to record journeys are required to receive the discount. Savings based on driving behavior. Discounts apply to select coverages only and may vary by state. Please refer to the Terms & Conditions for the required, compatible, Android or iOS operating systems to determine participation eligibility. Android OS5.0/iPhones iOS10 and above operating systems required. Must meet minimum qualifications to maintain the discount at renewal.

Sure, upgraded coverage means a higher monthly premium. But would you rather pay a bit extra each month, or wind up owing a lump sum of $30,000 out of pocket? The average American will file a collision insurance claim about every 18 years, according to insurance industry statistics. Hopefully, it’s nothing more than a fender bender, but if the worst should happen, you’ll appreciate being fully covered.


The trade-off between large insurance companies and small ones typically involves giving up competitive rates for an improved customer experience. When using a small insurance company for your auto insurance, you’ll likely communicate exclusively with one insurance agent. While you generally lose a personal connection when selecting a large national insurance company, the large auto insurance companies tend to have more financial stability. In fact, the top insurance companies in the country underwrite and pay out billions of dollars per year. Additionally, the large insurance companies are able to leverage their resources to offer drivers lower insurance rates.

In virtually all states, drivers are required by law to have mandatory liability insurance coverage. This is done as a way to ensure that the driver can cover the cost of damages to other people or property in the unfortunate event of an accident. Some states implement a “proof of financial responsibility” requirement, which is a little more flexible.

Consumer Reports offers an extremely helpful guide that highlights the steps you can take to find the best policy for your needs. Even if you’re fairly happy with your policy, they suggest shopping around to compare rates at least every two or three years. That way, you have a good idea of where car insurance rates are headed and how much you could save if you switch. Plus, it never hurts to shop around. Based on your age, your driving record, and other factors, the policy you have now could be considerably cheaper if you switched firms.
Classic car insurance is a bit of a simplified term. There are several "non-traditional" vehicles that these companies actually insure that do not fall under the term of "classic car". Whether you have a modified street rod, a kit car, vintage motorcycle, 1920's milk truck, or even a retired military vehicle, at least one of the following will be able to insure it.
Progressive offers a unique discount through a program called Snapshot, a usage-based insurance plan that transmits real driving data to the company. Using a telematic device installed in your vehicle, Snapshot monitors your driving behaviors — such as how rapidly you accelerate or how often you stop abruptly — as well as the miles and times you drive, which can increase your risk of an accident.
No, you just have to get proactive. You can call your agent to see if you qualify for a lower rate or you can shop around for a new policy. In fact, car insurance rates fluctuate so often and so widely that, no matter how you feel about your policy, it's a good idea to at least window-shop every one to three years. You can also ask your insurer if you qualify for any discounts.
Drivers with good driving records typically enjoy lower car insurance costs than drivers with histories of speeding tickets, at-fault accidents, or DUI citations. Unfortunately, Tennessee state drivers without a recent at-fault accident save only 26% on their car insurance premiums, on average — well below the US average of 32%. In addition to earning a cheaper premium for driving incident-free, you may qualify for a safe-driving bonus through your car insurance company. The amount of these discounts may vary, but they typically run between 5 and 10%.
In virtually all states, drivers are required by law to have mandatory liability insurance coverage. This is done as a way to ensure that the driver can cover the cost of damages to other people or property in the unfortunate event of an accident. Some states implement a “proof of financial responsibility” requirement, which is a little more flexible.
The car your drive makes a big difference in your insurance rate. Vehicles built for performance, with high MSRP (manufacturer's suggested retail price), and foreign-built models are often costlier to insure. Vehicles that don't cost as much to repair or aren't built for faster driving — such as vans and sedans — are correspondingly cheaper to insure.
If you are or were in the military, or if your parents, parent-in-law, or spouse was in the military you are eligible for USAA auto insurance, and they may just be the best company for you. USAA scores 5/5 stars for the both shopping experience, and claims handling process in the J.D. Power study. They do particularly well on how you can report your claims to the company. You should also be highly satisfied with their final settlement claims. For more information, read here.
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