Nashville with almost 700,000 residents, stands as the largest city in Tennessee as well as its capital. This major American city is known for having one of the most vibrant music scenes running the gamut of genres, earning the moniker “Music City.” Nashville is also synonymous with country music, so the city is also known as the “Country Music Capital” and it’s not hard to see why. Many of the area’s local attractions are connected to the country music industry, including the Country Music Hall of Fame and Museum, Belcourt Theatre, and the Ryman Auditorium. The latter venue was home to the Grand Ole Opry, a weekly stage concert that has existed nearly 100 years featuring the best and brightest in country, bluegrass, folk, and gospel music. Nashville’s country bona fides are further strengthened as it is the site of the annual Country Music Association Music Festival, bringing thousands of country fans to the city each June.
Nashville is also home to several institutions of higher learning, including Vanderbilt University, Tennessee State University, Fisk University, Belmont University, Lipscomb University, Trevecca Nazarene University and John A. Gupton College, among others. Nicknamed the “Athens of the South,” Nashville brings plenty of scholars to the yard, especially in the fields of medicine, law, and education. Some 43,000 folks are in town earning bachelor, master, and doctorate degrees. Besides these colleges and universities, major employers such as the state and federal government and corporate heavyweights such as Amazon and Kroger have turned many people into Nashvillians. Many roads lead to Music City, but before you can call Nashville home, it’s important to familiarize yourself with requirements for car insurance in Nashville, TN.
Understanding Your Responsibilities
The State of Tennessee requires all drivers to be able to demonstrate financial responsibility, especially those involved with a collision. Having a policy for car insurance in Nashville, TN, is how you show that you’re financially responsible. Your plan should include these minimum coverage levels:
Property damage per accident: $15,000
Injury or death per person per accident: $25,000
Total injuries or deaths per accident: $50,000
Car insurance in Nashville, TN, and other places doesn’t just cover for vehicular damage. It can also cover medical bills for injured persons as well as funeral costs and lost income in some cases. Failure to carry minimum liability is illegal and you could be subject to fines as well as loss of driving privileges.
Keep in mind that the numbers given above are the minimum coverage levels required by law. Your car insurance in Nashville, TN, should be adequate for the way you and others in your household drive. For example, driving around in neighborhoods like Granny White or Brandywine Farms may put you on the road with vehicles that are well over $100,000 in terms of replacement cost. Furthermore, if you’re leasing or financing a vehicle, your dealership or lender may require you to have higher coverage limits in your insurance plan. Other benefits you should consider include roadside assistance, rental car reimbursement and towing/storage coverage.
Take the Next Step
Being a responsible driver isn’t just about following the rules of the road. It’s also about making sure you and other drivers in your household are covered with car insurance in Nashville, TN.