Auto Insurance Tennessee & North Carolina With so many insurance companies offering competitive auto insurance rates, how can you find the combination of coverage that meets your automobile needs? Instead of spending weeks obtaining quotes from every major car insurance company, you can consult with the experienced insurance team at Tellico Lake Insurance. Our independent agents serve as trusted advisors to wade through the products offered by leading insurance companies. We consult with you to understand your needs to find the combination of coverage, service, and value for your specific situation. You don’t have to settle for an average car insurance policy when you can work with Tellico Lake Insurance to secure a customized insurance package that fits your life. Auto Insurance in Tennessee & North Carolina Auto insurance laws vary from state to state. All drivers with Tennessee license plates must carry at least $25,000 for each injury or death per accident, $50,000 for total injuries or deaths per accident, and $25,000 in property damage per accident. For those with North Carolina license plates the minimum requirements for auto insurance are $30,000 for bodily injury (one person), $60,000 for bodily injury (two or more people), and $25,000 for property damage liability. What is Physical Damage Coverage? Physical damage includes two different coverage types, comprehensive and collision. When purchasing an auto policy you have the option of purchasing just one, both, or neither depending on your coverage preferences. The exception to this is when you have a car loan or lease, as your lender may require both comprehensive and collision coverage to protect their interest. Comprehensive coverage helps pay to repair or replace your car if it’s stolen or damaged by something other than a collision. Comprehensive typically helps cover theft and damage from vandalism and natural disasters, falling objects, fire, hail, flood, or animals. Collision coverage helps pay to repair or replace your vehicle if it’s damaged or destroyed in an accident with another car, typically on an actual cash value basis unless replacement cost is available and endorsed. Get the Help You Need From Your Local Tellico Lake Insurance Team The team at Tellico Lake Insurance is committed to helping you find the auto insurance policy that matches your described needs. Call us today at (865) 315-7525 to begin working with experienced professionals who can offer quality auto insurance coverage at a competitive price.