Best cheap car insurance quotes in Selmer
Selmer drivers need to prove financial responsibility before they can legally hit the road—and the easiest way to do that is to purchase car insurance that meets
the state’s minimum requirements.
In many cases, drivers can also benefit from full coverage or other optional coverage types.
Cheap minimum liability insurance quotes in Selmer
In Selmer, Tennessee, drivers must satisfy the state’s minimum car insurance requirements. Here’s a breakdown of what you’ll need:
Uninsured/underinsured motorist coverage is offered by insurers in Tennessee but isn’t required by law. If drivers choose to reject coverage, they must do so in writing.
Purchasing liability coverage is the easiest way to reduce monthly insurance payments, but it can leave you susceptible to significant expenses if you’re involved in an at-fault accident that causes injury or property damage.
Here’s a look at rates Jerry users have found for minimum liability coverage in Selmer.
Selmer, TN (Zip Code: 38375)
Selmer, TN (Zip Code: 38375)
Do you need more than minimum coverage in Selmer?
Generally speaking, most drivers would benefit from having more than Tennessee’s required 25/50/25 liability insurance.
The reason why: More severe accidents can easily exceed these limits, and if you were found at fault for an accident, you’d need to find another way to pay for others’ injuries and damages once that limit is reached. And because
Tennessee’s car accident laws allow drivers to file property damage lawsuits up to three years after the accident, your liability can extend long beyond the original crash.
For better financial protection, insurance experts commonly recommend choosing higher liability limits, such as 50/100/50 or 100/300/100.
Cheap full coverage car insurance quotes in Selmer
Liability coverage won’t cover damage to your vehicle—you’d need collision and comprehensive coverage for that.
Full coverage car insurance generally refers to a policy that includes both
collision coverage. Collision coverage pays to repair or replace your vehicle after an accident with another vehicle or stationary object, while comprehensive coverage applies to damages caused by various other non-collision-related events, like theft, severe weather, or animal damage.
If you lease or finance a car, your lenders will likely require that you keep full coverage on your car for the duration of your loan.
Check out the rates other Selmer drivers have found for full coverage car insurance with Jerry’s help.
Last Updated Sep 23, 2023
Finding affordable car insurance doesn’t have to be like finding a needle in a haystack. With a comparison app and licensed
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