Insurance quotes and assistance

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Auto Insurance

Commercial Auto Insurance and Personal Auto Insurance
Keeping Auto Insurance Premiums Low
Take Advantage of Insurer Websites
Am I The Only One That Thinks Auto Insurance Rates Are Freaking Ridiculous?!
Flustered About Auto Insurance?
Auto Claim DENIED…WTH!!!
How much auto insurance do I need?
Do all states have a mandatory auto insurance minimum?
How do I get the best policy value for my money?

Health Insurance

Health Insurance Decisions
Do you need health insurance?
Indemnity Plans
Health Insurance Dissected…Lighten Up!
5 Things Every Health Insurance Policy Holder Needs to Do Now
Tips for Working with Customer Service
What are the most popular types of health insurance plans available?
What exactly does my health insurance premium pay for?
What is a main hospital plans?

Home Insurance

Renters Insurance Stripped
Whose Home Insurance is Responsible?
Umbrella Insurance
Expecting Home Insurance Premium Increases
5 Steps Home Insurance Policy Holders Must Take Now
What Home Insurance doesn’t Cover
Do I have to have home insurance?
How do I get the homeowners policy that gives me the best value for my money?
What if someone is injured on my land?

Life Insurance

Don’t Screw Up Your Life Insurance!
The Case for Term Life
Lying to Insurers
It’s Time To Stop Bashing Life Insurance Coverage! Have You Got A Better Solution?
Should You Sell Your Soul To The Insurance Company In The Pale Moonlight?
Do You Need a Trust?
How much life insurance do I need?
How do I get a life insurance policy that offers the best value for my money?
Should my spouse and I have separate life insurance coverage?

Tennessee Insurance Guide

Home to the Appalachian mountain chain, country music and Davy Crockett lore, Tennessee offers an interesting mix of rural landscapes and urban locales to its residents. It also has many interesting insurance regulations.

Tennessee Auto Insurance

Tennessee auto insurance regulations do not require resident drivers of this at-fault state to carry personal injury protection (PIP) or uninsured motorist coverage. They do require $50,000 in bodily injury liability in the event of a multiple injury accident, and $25,000 for a single-person injury. They also require $15,000 in property damage liability.

Tennessee Health Insurance

Tennessee health insurance regulators do not require insurance companies operating in the state to offer guaranteed health insurance policies to individuals. That means some will be uninsurable, but there is a state high-risk pool that will help them get the coverage they need. Since Tennessee does not have a state income tax, there is no deduction for health savings account (HSA) contributions on the state level.

A group with as few as 2 members can be considered a qualifying group for group health insurance. Individuals within the group who have had a 63-day or longer break in coverage over the past 6-months may find that the group insurance policy excludes their pre-existing condition for up to 12-months. In groups with 3-25 people, the rates are protected by rate bands.

Tennessee Home Insurance

Exposed to hurricanes and tornadoes, Tennessee residents may not be required to have Tennessee home insurance by state regulators, but they’d be awfully exposed without it. In 2010, the state was met with an historic and life-changing flood that has resulted in many lost homes, businesses and lives. It is an unfortunate lesson for all those without adequate flood insurance coverage.

Tennessee Life Insurance

The Tennessee Life and Health Insurance Guaranty Association was created in 1989 by the Tennessee life insurance regulators in order to answer the concerns of consumers who were scared that their life insurance company might become insolvent and unable to pay claims as promised. The association provides up to $300,000 in death benefits and $100,000 in cash surrender values to qualified claimants.

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