MONDAY, NOVEMBER 29, 2021
Here in Middle Tennessee, the days are getting shorter and temperatures are dropping. With the change of the season, there is a higher chance of bad weather. Driving conditions can get hazardous very quickly during the fall and winter months. Not only should you be more careful when you get behind the wheel this time of year, but you should also make sure your auto insurance is up to date in case the worst happens. Here’s a closer look.
Auto Insurance for Tennessee Drivers
Being a safe driver means having auto insurance. The policy pays the costs of unexpected hazards such as wrecks, vehicle fires or accident lawsuits. Your coverage can help you reduce your financial burden for these often-high costs.
Tennessee requires all drivers to carry auto liability insurance with the following minimum limits:
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Bodily injury liability insurance—$25,000 per person/$50,000 per accident
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Property damage liability insurance—$15,000 per accident
We recommend that you carry more than just the minimum mandatory liability coverage, along with optional coverage like collision, comprehensive and uninsured/underinsured motorist coverage. We can help you personalize your coverage to provide adequate protection at affordable rates.
Tips for Safe Driving During Fall and Winter
This time of year, cold temperatures, inclement weather, fog and shorter days can make roads more dangerous. When you get behind the wheel, you should be even more careful than usual by following these suggestions:
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Slow down. Drive at or below the speed limit between dusk and dawn, during times of precipitation or if you encounter fog.
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Leave extra space between your vehicle and the vehicle in front of you. It takes longer to stop on wet or slick roads, and you will need this extra space.
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Watch for animals in the roadway. During the fall and winter months, the risk of animal collisions significantly increases, particularly in rural areas.
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Test your lights and windshield wipers, repairing or replacing them if necessary. If they don’t work correctly, you may not be able to see hazards on the roadway.
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Check your tire tread and air pressure. If tires are not working, you may not be able to stop quickly, and it may also increase your risk of skidding or hydroplaning.
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Keep up with your vehicle’s routine maintenance. By changing the oil, testing the battery, having the filters checked and balancing the fluid levels, you have a better chance of avoiding sudden breakdowns.
The more you pay attention to safety this time of year, the better you can avoid potential problems that could lead to costly accidents and auto insurance rate increases.
With the help of your Tennessee Auto Insurance Agency team, you can get auto insurance that will always be there to protect you. Contact us today for more information.
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It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional
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