Car Insurance Murfreesboro – If you’re in the market for car insurance, you’re likely aware of the overwhelming number of providers out there. Finding the perfect fit for your needs can be a daunting task. That’s why we’ve done the hard work for you and compiled a list of the top 10 car insurance providers. In this article, we will take a closer look at each provider, examining their coverage options, customer service, and pricing to determine which one is the best fit for you. From the industry giants to the up-and-coming disruptors, we’ve included a diverse range of options to suit every budget and coverage requirement. Whether you’re a young driver looking for affordable rates or a seasoned motorist seeking comprehensive coverage, our comprehensive analysis will help you make an informed decision. We’ve cut through the jargon and fine print to provide you with clear insights and recommendations. So, buckle up and join us as we explore the top 10 car insurance providers – because finding the best fit for you shouldn’t be a bumpy ride.
Car Insurance Murfreesboro – Coverages We Offer
Accidents, glass damage, lawsuits, hail, and more—we have affordable coverage options to protect against just about anything. Get a car insurance quote, and you can customize your coverages online. Savings with safe coverages.
Keep in mind, coverage offerings can vary by state.‡
Car Insurance Murfreesboro – Liability (bodily injury and property damage)
Covers damages you cause to others
If you’re at fault in an auto accident, liability covers damages you cause. That could mean damage to other vehicles, property (mailbox, street sign, house, etc.), or even other drivers’/passengers’ injuries. Plus, liability covers you if someone sues you over an accident.
Example: You rear-end another car, it’s damaged, the other driver is severely injured, and sues you. We’ll pay for the other driver’s car repairs, injuries, and your costs from the lawsuit (up to the amounts you select). There’s no deductible for liability. Car Insurance Murfreesboro – Comprehensive and collision.
Covers damage to your car
These are two separate auto insurance coverages. Comprehensive covers incidents out of your control: theft, vandalism, hitting an animal, fire, acts of nature, and glass damage. Collision covers car accidents.
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 a collision, we’ll then pay for your repairs (minus your deductible amount).
Uninsured/underinsured motorist
Covers your injuries and damages
These can be two separate coverages: One that covers your injuries (bodily injury) and another that covers your vehicle’s damages (property damage). Both kick in if a driver hits you and doesn’t have insurance or enough to pay for your losses.
Example: A Murfreesboro driver runs a red light and hits you without car insurance. They’re at fault and don’t have car insurance. If they can’t or refuse to pay for your damages, you can instead file a claim with us. We’ll then pay for your repairs.
Car Insurance Murfreesboro, TN – Medical payments
Covers your injuries
Pays for medical costs if you, your passengers, or your family members are injured in a car accident (no matter who is driving). Medical payments coverage can be beneficial even if you have health insurance, as there is no deductible you have to meet before we pay out.
Example: Your newly licensed 16-year-old neighbor is driving your child to school, and they’re in an accident. Your child is injured and has a $1,000 medical bill. Instead of filing a claim with your health insurer, you can file with us, and we’ll simply pay the bill (up to your limit). No deductible applies.
Rental car reimbursement
Covers rental car fees
Pays for your rental car fees while your vehicle is being repaired from a covered loss (that just means damages we or another insurance company pays for and not general maintenance).
Example: Your car is severely damaged in an accident, and repairs will take a week, so you need a rental. If you have rental car reimbursement, we’ll pay for your rental car fees (up to your limits).