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Car insurance is something every driver needs, but there are so many options available, it can be a bit overwhelming. There are dozens of auto insurance companies all offering the same basic product, but each claims to provide something a little different. In addition, if you have ever had an accident, ticket or run-in with the law, getting low-cost car insurance may seem impossible. However, here at 2nd Chance Insurance, we make it our goal to educate you and help you obtain the cheapest car insurance that will meet your needs. Discover the answers to a few of the most common car and truck insurance questions, then call us or contact us via our online form for direct access to the most knowledgeable and skilled agents in the industry. We cannot wait to help you with all your auto insurance needs!

Is Car Insurance Required By Law?

Yes, car insurance is a requirement. In order to drive your car legally in every state of the U.S., Tennessee being no exception, you must maintain a minimal amount of liability coverage, which means that your insurance would pay for the costs of repairing another person’s car or his or her medical bills, if you were involved in an at-fault accident. However, this does not cover your own vehicle or medical expenses — though this type of coverage is available separately. When you call us for a quote, we can help you obtain information about your state’s minimum required coverage.

What Is the Average Cost of Car Insurance?

This is a difficult question to answer. Some people who have perfect driving records, cars with good safety records and who only maintain minimum coverage may pay only a small amount each month. Those who have a few points on their driving record or who want to better protect their vehicle investment may pay more. However, if you call us for a cheap insurance quote, we will work with you to make sure you never pay more than you have to for the level of coverage that you require.

What Does Car Insurance Protect?

As mentioned above, there are different levels of auto insurance coverage available. Liability coverage just covers the damage you cause on other vehicles, property or people. If you choose a collision policy for yourself, you will have protection on your vehicle in an at-fault accident. A comprehensive policy adds protection for issues such as theft, natural disaster and other non-collision incidents. Other additional coverage can ensure that you have a rental car if needed, the option to tow your vehicle for a certain amount of miles, or it can protect you if you are involved in an accident with an uninsured motorist.

How Do I Know What Car Insurance to Purchase?

You are most likely not an expert in car insurance, but at 2nd Chance Insurance, we are. Call us for a free car insurance quote, or contact us online. We can talk you through the process and help you understand what is available so you choose the right policy that will best serve you and your family well today and for years to come. After all, you want to feel confident with your auto insurance choice every time you sit behind the wheel.

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