Auto Insurance

Recovering quickly after accidents and other mishaps is possible with an auto insurance policy. Proper coverage may save you from expensive medical bills, vehicle repairs and legal fees if you’re at fault in an accident.

What Is Auto Insurance?

Auto insurance may provide essential funds after unforeseen incidents involving your vehicle, including accidents, theft and damage due to severe weather. In Tennessee, all drivers must show proof of financial responsibility, which typically means carrying the state’s minimum liability coverage requirement. Driving without insurance may lead to fines, license suspension or legal consequences. You’ll also need auto insurance if your vehicle is financed as your lender might require it as a condition of your loan.

What Coverage Should I Get for Auto Insurance?

The right coverage typically depends on your vehicle type and driving habits. Most auto insurance policies include the following coverage options:

Liability coverage may compensate for bodily injury and property damage you cause to others.
Collision coverage may pay for your car’s repair or replacement costs after a collision.
Comprehensive coverage may cover theft or damage to your vehicle caused by something other than a collision.
Medical payments coverage may pay for medical bills if you or your passenger are injured in an accident.
Uninsured/underinsured motorist coverage may provide financial aid after an accident with an at-fault driver who doesn’t have sufficient insurance.

How Much Does a Policy Cost?

Insurance providers calculate auto insurance costs based on a variety of factors, including the following:

Your age
Location
Driving record
Credit score
Vehicle type and value
Coverage limits and deductibles

Get a Quote

Proudly serving Columbia, Franklin, Humboldt, Jackson, Martin, McKenzie, Memphis and Murfreesboro, Tennessee, Sunstar Insurance Tennessee offers a range of car insurance options to suit different drivers. Contact us today to explore affordable auto insurance plans.