Chattanooga (a.k.a. the Scenic City) has widely been heralded for its "livability." Indeed, Forbes Magazine recently ranked the city as the 8th best "bank for your buck" urban area in the U.S. Chattanooga has received nine separate Gunther Awards for Excellence in consolidated planning and housing. The gorgeous renovated riverfront and historic downtown center have inspired thousands of people (and businesses) to flock to Tennessee's fourth largest city. But the question remains: how can all these people fulfill their Chattanooga insurance needs?
Sourcing reliable Chattanooga insurance quotes can eat up a lot of your time --time that you would rather spend hiking on Lookout Mountain or taking your kids to Creative Discovery Museum. To simplify your search, trust NetQuote to provide up to five (or more) quotes from America's top insurers.
Do You Even Need Auto Insurance in Chattanooga?
Downtown Chattanooga boasts a fleet of electric buses to provide park-and-ride services for residents and visitors. So, do you even need an auto to experience the local flavor? In fact, to get to places like the African-American Museum, the Tennessee Aquarium, and the Appalachian Trail, it helps to have personal transportation. To that end, let's look at some facts about Tennessee insurance. According to 2007 figures compiled by the National Association of Insurance Commissioners (NAIC), Tennessee residents paid an average of $654 for auto insurance --well under the average U.S. rate of $816. That said, 20% of Tennessee drivers are uninsured, according to a 2007 estimate by the Insurance Research Council --making Tennessee the sixth worst state for uninsured drivers.
Your minimum coverage, per law, must include both bodily injury and property damage liability. You need $50,000 coverage per accident for bodily injury and $25,000 per person for bodily injury. You also need $15,000 minimum liability coverage for property damage.
How Do Chattanooga Insurance Quotes Stack Up?
Tennessee residents pay an average of $723 for homeowners insurance. This is nearly $100 less than the U.S. average of $822, per 2007 figures assembled by the National Association of Insurance Commissioners. Renters insurance is substantially cheaper. An average Tennessee renter pays $204 in renter's insurance per year, while the average U.S. renter pays $182. Some special factors might influence (and drive down) your Chattanooga rates. The high "livability" marks for the city may encourage insurers to provide lower rates for qualified homeowners. Whether your home abuts the giant Max Finley Stadium or it is tucked away in the foothills of the Smoky Mountains, you can take concrete steps to make your home more appealing to insurers. First of all, consider higher deductible policies. Typically, the greater your deductible, the lower your monthly premium. In addition, beef up security and fire/smoke detection systems. Finally, consider paying off more of your mortgage. An insurer who sees that you own more of your home will think that you will take better care of your place.
Chattanooga Insurance Quotes to Go "Choo-Choo!" Over
Collecting quotes from multiple insurance companies can help you assess your options better. Here at NetQuote, you can supercharge your hunt for great information. Simply fill out our online questionnaire and get back Chattanooga insurance quotes from several different insurers. Why bother filling out separate questionnaires for different insurance companies? Use NetQuote and leverage your time better. One form gets you five quotes or more from top U.S. insurers.