What is Auto Insurance?

January 30, 2025

Traveling across Tennessee is an ever-changing journey, from the mountains in the east to the rolling hills, to wide plains and the Mississippi River on our western border. One thing that stays the same no matter where you are in our great state? Your customizable auto insurance policy from Farm Bureau Insurance of Tennessee.

Whether you like to cruise the backroads on a motorcycle, take the family on weekend camping trips in your RV, or take a Tennessee road trip in your car, Farm Bureau Insurance of Tennessee has insurance coverages to suit you.

The Importance of Auto Insurance

Your first impression of auto insurance may be that it’s just for cars. At Farm Bureau Insurance of Tennessee, we offer competitive insurance for cars, motorcycles, motorhomes, and more. While the state of Tennessee legally requires drivers to provide proof of financial responsibility in the event of an auto accident, getting an insurance policy is also a smart, safe decision to make, so that you’re covered no matter what happens out on the road. Life happens, but having the right auto coverage can help you avoid or mitigate unexpected expenses.

Types of Policies

There are many different types of auto insurance policies, and what Farm Bureau Insurance of Tennessee offers depends on the type of vehicle you want to insure. Let’s take a closer look at some of the basic types of policies we offer.

Liability Insurance

Liability insurance can help cover claims and your defense costs if you are legally liable for a vehicle incident that harms another person or their property. We provide bodily injury liability insurance, as well as property damage liability insurance. Typically, a liability insurance policy completes the state’s requirements to provide proof of financial responsibility in case of an accident.

Collision Coverage

This type of insurance can help cover the cost of damage to your vehicle from collisions with other vehicles or objects like trees or median strips. If you lease or finance a vehicle, you may be required to purchase collision insurance by your lender.

Comprehensive Coverage

A comprehensive insurance policy can help pay for damages caused by things other than collisions. This could be anything from an unexpected hailstorm to fire, theft, or vandalism. Like collision coverage, your lender may require you to purchase comprehensive insurance if you lease or finance a vehicle.

What Kind of Auto Insurance Do I Need?

There are many factors to consider when it comes to what type of auto insurance policy you need, from the type of vehicle you’d like to insure to legal requirements and more. If this seems complicated to navigate, don’t worry – you don’t have to do it alone. At Farm Bureau Insurance of Tennessee, it’s our agents’ job to help you determine the right policy for your needs.

If you’d like to explore auto insurance options, add a vehicle to your policy, or review your current coverage, connect with an agent today.