You can find cheap Chattanooga car insurance rates. Here are some things that you should know if you are going to find the best Chattanooga car insurance coverage.

The Sports Car Club of America and its Street Survival course could soon have a direct impact on Chattanooga car insurance rates and premiums. Drivers in Tennessee's fourth largest city may soon be partnered with this group and others (possibly All State, Valvoline and the Governor's Highway Safety Program) to offer this renowned driver's training course to the teen drivers in our city. This is one piece of information that might impact the Chattanooga TN auto insurance coverage decisions you make.

Driver Facts that Impact your Chattanooga Car Insurance

Getting Chattanooga auto insurance coverage for your vehicle requires an understanding of how insurers set the rates you are offered. While many of these facts pertain to your personal driving history, vehicle type and use and your exact location in Chattanooga, several other factors rely on the actions and activities of people you may never meet.

For example, many of the teen drivers who would benefit from the proposed Street Survival course above may be strangers to you. Yet, the high risk and high percentage of teenagers involved in driving incidents affects your insurance premiums.

In 2008, according to the Tennessee Department of Safety, there were 149 traffic fatalities in the state, and a staggering 132 of them involved teen drivers. 38 of the total fatalities were here in Hamilton County, although the number of those attributed to teen drivers is not available.

The one day Street Survival course is said to be much more effective that the traditional driver education course because it addresses emergency situation that often thwart new drivers; like driving in wet and low visibility conditions. If approved, this course could be in the Washington Hills and Patten Recreation Centers in 2010. Of course, if you are a parent of a teen driver, this will most likely have a positive impact on your insurance premiums. Make sure to contact your insurer and ask about a safe driving discount if your teenager takes this class. If you don't have teens, it will still improve the safety of the roads and likely lower all our premiums down the road as the crash statistics improve.

Also, it's estimated that 75% of drivers who get DUI conviction keep on driving illegally. Chances are, you are on the road with intoxicated drivers, inexperienced drivers and uninsured drivers more than you want to know. Take this into consideration when thinking about the type of Chattanooga TN auto insurance coverage you purchase for your vehicle.

Types and Amounts of Chattanooga Car Insurance

When you go to buy Chattanooga car insurance, or to review your current policy, you will need to make sure that it covers the legal minimums required by Tennessee, and that it gives you the asset protection that is your primary reason for buying insurance to begin with. You must carry liability protection in bodily injury limits of 25/50 for an individual and an accident, and property liability in the amount of $15,000 for a single accident. In addition to your legal need to prove financial responsibility, this some thing you want to have. Since we live in a tort state you are responsible for any damage you cause.

The required limits are not guaranteed to cover your needs. In order to truly protect your assets you should think about carrying higher amounts of coverage. While the expert recommendation is 100/300/100 for the liability levels, this is not always wise. If you can barely meet the premiums for the minimum levels, it does not make sense to put yourself into debt to pay higher levels. Also, if you really don't have any assets to protect that someone could sue you for then the higher levels won't make much sense.

There are some other coverage choices that might make sense, depending on your situation. If you have a nice car with a decent replacement value, you should look into collision coverage. If you drive a clunker, don't worry about it.

Comprehensive is what will protect you against things like theft, fire and other "acts of God." You might not have a say in this one. If the bank still holds your title then you are likely required to purchase it.

Uninsured or Underinsured Motorist Coverage is a wise addition for most drivers. This is because it's been estimated that 15% of drivers do not carry insurance, and even more folks don't carry enough insurance. Sure, you can try to take someone to court for damages, but if they don't have the assets to cover it then you could be out of luck.

Chattanooga Car Insurance Options

If you already have a Chattanooga auto insurance policy, take a few minutes to review your policy and compare it to other rates you qualify for. You can do that in the span of just minutes by using an online rate quote tool. Simply, input the amount and coverage types on your current policy. Soon, other insurers will send you their best quotes.

Now you are in a great position to call your current insurer and ask for a better deal and discounts, or to cancel your current policy and go with the better one. Make this a once a year habit that you associate with a specific holiday like Columbus Day.

If you don't have insurance then you can still utilize those free rate devices. You will just need to decide what level and type of coverage you desire. Be sure to compare at least 3 separate insurers as policies and rates will be different. Then you can get back on the road, protected and secure.

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