Auto coverage guide · Middle Tennessee
How Much Auto Insurance Do I Need?
Tennessee sets a minimum, but the minimum isn’t always enough. Here’s how to think through the rest.
Dustin Rodgers and team
Dustin Rodgers and team, Mt. Juliet
Your local agent
The short answer
You need at least enough to meet Tennessee’s financial responsibility law. Beyond that, the right coverage depends on what you’d want protected after a serious accident, what your car is worth, and how much you could pay out of pocket. A local agent can help you balance those.
Coverage
Work through it one coverage at a time
Each coverage answers a different question.
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Liability: what could you owe others?
Many people choose limits above the state minimum because a serious accident can cost more than the minimum covers.
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Collision: could you replace your car?
If you couldn’t easily repair or replace your car, collision is worth a look.
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Comprehensive: hail, theft, deer
Can help with covered damage that isn’t from a crash.
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Deductibles: what could you pay?
A higher deductible means you pay more out of pocket on a claim.
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Uninsured motorist
Can help if someone without enough insurance hits you.
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Extras
Rental, roadside and medical payments, where available.
This guide is general information, not advice for your situation. Coverage is subject to policy terms, underwriting and availability. Limits, deductibles and premiums vary, and nothing on this page is a quote.
Options
What to have handy
These make a coverage review faster.
Discounts and coverages are subject to eligibility, may vary by state, and are not available on every policy.
- Your current declarations page
- Drivers and ages
- Vehicle years, makes and models
- Whether any car has a loan or lease
Around Middle Tennessee
Tennessee basics
Tennessee’s financial responsibility law requires drivers to be able to show proof of insurance or another approved form of financial responsibility.
If your car has a loan or lease, your lender will usually require collision and comprehensive too. Check your paperwork.
Sources: Tennessee Department of Revenue: Financial Responsibility Law · Insurance Information Institute: how much auto coverage do I need?
No figures here on purpose
We don’t list recommended limits, because they depend on your household. Call us and we’ll go through it.
Areas we serve
Areas I Serve
We help customers in Mt. Juliet, Lebanon, Watertown, Hermitage, Gallatin, Hendersonville, Nashville and all of Middle Tennessee.
Our office is in Mt. Juliet, just off I-40 at Mt. Juliet Rd. You can reach us by phone, email or in person.
Why a local agent
Why talk it through with a local agent?
- A person, not a calculator: We’ll talk through your situation and explain options instead of picking a number for you.
- One local office: You can call 615-562-5100 and talk with our office on Providence Pkwy.
- No pressure: Use this page to think it through. Call when you’re ready.
- Serving Middle Tennessee since 2011: We’ve helped neighbors across Wilson, Davidson and Sumner counties for years.
Reviews
What Our Neighbors Say
Our customers have given us 4.9 stars from 109 Google reviews. We’d love to earn yours too.
Your agent
Meet Dustin Rodgers
Hi, I’m Dustin. I’ve lived in Tennessee for almost my entire life. I went to Hume Fogg Academic High School in Nashville and earned my bachelor’s degree from Trevecca Nazarene University. Today I’m a licensed insurance agent here in Tennessee, and I’ve been in the insurance business since March 2011.
At Rodgers Insurance Agency, my team and I work with families and small businesses to put the right protection in place before they need it. We’d love to get to know you.
- In the insurance business since March 2011
- Trevecca Nazarene University
- Hume Fogg Academic High School
FAQ
Middle Tennessee Auto Coverage Guide FAQs
Updated
Is the state minimum enough?
It meets the law, but many people choose higher limits because a serious accident can cost more than the minimum. We’ll talk through what fits you.
Do I need full coverage?
’Full coverage’ usually means liability plus collision and comprehensive. It’s worth considering if you couldn’t easily replace your car, and lenders often require it.
When should I drop collision?
Some people drop it on an older car worth little. Weigh the car’s value against what you’d pay for coverage.
How do I pick a deductible?
Choose an amount you could pay out of pocket without real hardship.
Do I need uninsured motorist coverage?
It can help if someone without enough insurance hits you. We’ll explain it so you can decide.
Does adding a teen change things?
Yes. A teen driver can change your premium and is a good reason to review liability limits.
Does an umbrella help with auto liability?
It can add liability above your auto limits. See our umbrella guide.
Can you review my current policy?
Yes. Send or bring your declarations page and we’ll go through it.
How do I get started?
Call 615-562-5100 or send the form.
Talk through your auto coverage
Send us a few details and we’ll follow up, usually the same business day.
Stop By or Call Our Mt. Juliet Office
Have a question about auto coverage guide or anything else on your policies? Give us a call, or set a time to sit down with Dustin in person or by phone.
- Address
- 1982 Providence Pkwy Ste 257
Mt Juliet, TN 37122 - Directions
- Providence area, second floor, same building as Oscar’s Taco Shop
- Phone
- 615-562-5100
- Reviews
- Google reviews · Leave a review
- Hours
- Monday–Friday, 8:00 AM–5:00 PM
Saturday–Sunday, closed