Chattanooga Car Insurance
Chattanooga is the “Scenic City” in southeast Tennessee. It’s on the Chickamauga and Nickajack Lakes and is surrounded by mountains and ridges. Chattanooga began as Ross’s Landing and was originally an internment camp for Native Americans before they were marched to Oklahoma on the Trail of Tears. In 1838, the community incorporated as Chattanooga. Today, Chattanooga is a city of more than 155,000 residents, according to the U.S. Census. It is fourth largest city in the state behind Memphis, Nashville and Knoxville. While many cities are seeing their populations decline, Chattanooga has grown 9.3 percent from 2000 to 2008.
Chattanooga car insurance quotes will be influenced, in part, by the following facts: Chattanooga drivers spend an average commute time of 19.8 minutes one way, according to statistics. Within Chattanooga’s city limits in 2007, there were 27 fatal car accidents, 75 people involved in those accidents and 43 cars involved in those accidents. During the same year, 1026 cars were stolen within the boundaries of the city. Chattanooga auto insurance quotes will vary somewhat between companies so be sure to call around for at least three car insurance quotes.
The State of Tennessee has requirements that drivers need to meet in order to be insured in the state. Tennessee only requires liability insurance for drivers. This coverage takes care of and injury and damage you inflict on another driver or passenger during an accident. The minimum levels of liability coverage required are $25,000 for medical expenses for medical expenses incurred by a single driver, $50,000 for the combined medical expenses of all persons in the car at the time of the accident and $10,000 for property damage resulting from the accident. This includes property damage to the other car involved in the accident. It should be noted that these are bare minimum levels of coverage. An accident could easily cause damages in excess of these amounts. Because of Chattanooga’s relative closeness to South Carolina, Chattanooga car insurance should include uninsured motorist car insurance. The reason for this is because, South Carolina does not require its drivers to carry liability insurance. If there is a lien on your vehicle, you may also need to carry comprehensive and collision insurance. Collision insurance helps cover medical and repair costs (up to the Kelley Blue Book value). If the repair costs exceed this amount, the insurance company will declare the car totaled and pay the owner estimated value of the car.
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