With all the places to compare car insurance rates online, you can find the Internet makes it easy for drivers in Tennessee to research how to get the cheapest car insurance in Tennessee. Whether you live in Memphis or Knoxville, you can find the cheapest car insurance in TN by starting your search online. Just enter your information here for free quotes on cheap car insurance. But there’s more to finding the cheapest car insurance in Tennessee than plugging information about you and your vehicle into a website. You need to understand how car insurance companies calculate rates, what the minimum required insurance is in Tennessee, as well as hidden fees that can lurk in your car insurance premiums to truly get the cheapest car insurance in TN.

Even though you’re focused on finding the cheapest car insurance in Tennessee, you also have to make sure you have enough insurance to drive legally. Tennessee state law requires drivers to carry three kinds of liability insurance: bodily injury for one person and the entire accident, as well as property damage. The law in Tennessee says that drivers must have at least $25,000 of individual and $50,000 of accident coverage for bodily injury; the minimum for property damage liability is $10,000. As well as liability coverage, Tennessee drivers must also carry uninsured or underinsured motorist coverage per person up to $50,000 per accident. With these minimums in mind, you can get the legal and cheapest car insurance in TN.

As well as understanding Tennessee laws about car insurance, you should understand how the information you enter on the website to find insurance translates into your car insurance rates in order to get the cheapest car insurance in Tennessee. Car insurance companies charge individuals for insurance based on how likely they are to get into an accident, and your driving record, your location and other demographic information lets car insurance companies figure out what your rates should be. You may not be able to change your age or move, but you can drive a safe car that isn’t often stolen to get the cheapest car insurance in Tennessee.

In order to get the cheapest car insurance in TN, you can also ask for discounts from your insurance agent. You can find discounts for things you may not have thought of, like your employer. If you belong to community service organization or a professional organization, your car insurance company can offer you discounts for these as well. Even having good grades can get you the cheapest car insurance in Tennessee, so make sure you tell an insurance agent about your situation to get the best rates.

The important thing to remember about finding the cheapest car insurance in Tennessee is to start online with a free quote.