Safe in Music City: Nashville Insurance
It would be nice to preserve a legacy as long as the Grand Ole Opry. We like to think we’re going to be healthy and safe forever, but there are simply too many potential dangers. If you want the soundtrack to your life to ring as true as Music City notes, then it’s time to start comparing Nashville insurance quotes to find the best car, home, health, and life policies available. You certainly don’t want that sound in the back of your mind to remind you of the laugh track from an old “Hee Haw” episode when something bad happens on the road or at home. Don’t fret; Nashville insurance is your cure for the Cumberland Blues.
Buy Smart
To be sure, buying a Tennessee home insurance policy without the proper information on hand is no picnic in Centennial Park. First, calculate how much dwelling coverage you need. In Nashville, you’ll need roughly $82 per square foot. For a 2,400 square foot home, that comes to $196,800. A good rule of thumb is to buy a policy covering your dwelling for at least 80% of its value. Next, appraise your possessions. A basic policy will reimburse you for 50% of their value. Most people choose to insure them for more, and if you compare enough offers, you can do the same without a huge increase in your Nashville insurance quotes. Keep in mind that changes to your house mean changes to your policy-a sprinkler system for fire protection will get you a better premium; high-end appliances should require more dwelling coverage.
Big Bend State Law
A degree from Vanderbilt will take you far in life, but it won’t get you out of trouble if you’re caught driving without car insurance. Every driver in Tennessee must have at least these coverages: a bodily injury liability policy of $25,000 per injured person, up to a total of $50,000 per accident, and a property damage liability of $15,000. If you don’t purchase a policy with at least these parameters, you’ll be subject to a fine and possible license suspension. To add insult to injury, the next time you search for Nashville insurance quotes, you can expect to see as much as a $200 increase in your Tennessee auto insurance premium.
Consider All Your Options
Lots of things affect Nashville insurance quotes. Your career, credit history, and driving history all play a part. And then there are the basics: what kind of car you drive, and how many miles per year. A new luxury car, for example, would usually turn up some pretty high Nashville insurance quotes. For a 2009 BMW 535, a 44-year-old doctor who drives it to work daily has $250,000/$500,000 in bodily injury liability on his current policy. This time he opts for the state minimum when he shops around. His premium will be about $450-very reasonable, thanks to his career, education level, great insurance history, and the fact that he owns the car rather than finances. Someone without these qualities might pay hundreds more. So, the key for that person is to add another driver to the policy. If the doctor adds his wife’s 2007 Infiniti G35, he’ll save around $100 per driver.
Push Farther
If you don’t save enough that way, then consolidate in other ways. Try combining your home and auto policy, or one of those with a life insurance policy. If you enter your information one time into NetQuote.com, that free service will show you ways to save hundreds of dollars on Tennessee insurance. It’s a little too happy to make for a classic country song, but it’s still something to sing about.
