Can I Get Insurance For A Car That Is Not In My Name?

Can I get insurance for a car that is not in my name? No, in most cases. A person can’t acquire auto insurance on a car they don’t legally own unless they can show the insurance company they have an insurable interest.

So, you’re looking to buy a car policy in Tennessee? You’ve come to the right place. Here’s a guide to making the process of purchasing auto car insurance in Tennessee easy for you.

Step by Step Process for Auto Car Insurance Shopping in Tennessee

Ready the information 

To get started, you need basic information to opt for quotes from different insurers. A few required information are:

  • Your personal details – Name, date of birth, contact details
  • Vehicle details: Vehicle Identification Number (VIN), date of purchase, registration location
  • Identification document details – License number and validity
  • Car insurance history – Record of prior insurance and expiry dates.
  • Name of the registered owner/s.

The above information helps insurers to calculate car policy premiums and recommend the most suitable policy type. Therefore, pay extra attention while entering your details in the quote portals.

Also, you might be interested in learning about does a car need insurance to be registered?    

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Shop your options

SHOP AROUND – that’s the best way to ensure that you get the competitive policy deals. Hence, call your insurance provider, or get quotes online. Pay special attention to the coverage types, amount, gaps, and more. While price plays an important role, don’t get overly focused on that because the whole point of purchasing insurance is to be safe from the financial upheaval brought about by accidents. If you have a clean driving record, you can avail for great deals and offers from your local insurance agent. Your local insurance agents can also help you get cheap auto insurance with the best coverage.

Tennessee’s state law 

Learn about the minimum requirements by state law. According to the Tennessee Department of Revenue, you need to have at least the following coverage:

  • Injury or death Limit: $25,000 per person
  • Injuries or deaths Limit: $50,000 per accident
  • Property damage limit: $15,000 per accident

While these are the basic requirements, you may have to comply with other requirements set by your lenders, such as collision and comprehensive coverage.

can i get insurance for a car that is not in my name

Discount hunt 

Insurers offer many discounts to attract more sales. The best part is that you may already be eligible for multiple discounts. Yes, it’s that easy! For instance, if you enroll in a defensive driving course and complete it, your insurer will likely offer you a discount. Further, installing auto protection devices, driving safely, and even getting good grades in school can make you eligible for good discounts.

Evaluate  

Consider multiple factors from coverages and prices to customer services and reliability while evaluating your options. Furthermore, you can even look at online reviews to know the customer experiences in policy processing, updates, and claim settlements. After that, choose the best car insurance that you think is the most suitable for you.

These steps aren’t as easy as they look. Hence, you need to spend some time doing your part of the study if you want to ensure a reliable policy that protects you financially at the time of loss. With an overwhelming amount of insurance options in the market, choosing the right policy might get confusing.

Therefore, take the first step – Get a quote for free from reliable auto car insurance companies in Tennessee.

Call an independent insurance agent to hear more about auto insurance or other forms of insurance such as home insurance, cyber liability insurance, e and o insurance, or e and o insurance for insurance agents.

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