Auto Insurance

Protect yourself, your passengers, and your vehicle with coverage that goes beyond the basics.

Driving is part of everyday life, but with it comes risk. Whether it’s a quick trip to the store, a daily commute to work, or a family road trip, the possibility of an accident is always present. Even careful drivers can’t control weather conditions, road hazards, or the actions of other motorists. Without proper coverage, one serious accident could leave you facing overwhelming financial and legal challenges.

In Tennessee, state law requires drivers to carry minimum liability coverage. However, those limits are often not enough to cover the true cost of an accident — leaving you personally responsible for medical expenses, property damage, or lawsuits. That’s why choosing the right auto insurance policy is one of the most important financial decisions you can make.

At Cothren Insurance Agency in Lawrenceburg, TN, we don’t just sell auto insurance — we help you understand your options so you can drive with peace of mind.

Core Coverages for Tennessee Drivers

Liability Coverage
Required by state law, liability insurance pays if you are legally responsible for causing injuries or property damage. Tennessee requires a minimum of 25/50/25 coverage ($25,000 for injury per person, $50,000 per accident, and $25,000 for property damage). However, serious accidents often exceed these limits, so we recommend higher protection to safeguard your personal assets.

Collision Coverage
Pays to repair or replace your car if it’s damaged in a collision with another vehicle or object. This coverage is especially important for newer vehicles or vehicles you are financing.

Comprehensive Coverage
Protects against damage from events other than collisions — including theft, vandalism, fire, hail, flooding, falling objects, or hitting a deer (a common risk in rural Tennessee).

Uninsured/Underinsured Motorist Coverage
Roughly 1 in 5 drivers in Tennessee are uninsured. If you’re involved in an accident with someone who has little or no coverage, this protection helps pay for injuries and damages that their insurance can’t cover.

Medical Payments (MedPay)
Covers medical expenses for you and your passengers, regardless of who caused the accident. This can include ambulance fees, hospital visits, and even rehabilitation costs.

Optional Add-Ons

  • Roadside Assistance – Towing, battery jump-starts, flat tire changes, and lockout services when you’re stranded.
  • Rental Reimbursement – Helps cover the cost of a rental car while yours is being repaired after a covered accident.
  • Gap Insurance – Covers the “gap” between what your car is worth and what you still owe on a loan or lease after a total loss.

Why Auto Insurance Matters in Tennessee

  • Legal Requirements – Driving without insurance in Tennessee can result in fines, license suspension, and registration revocation.
  • Financial Protection – Even a minor accident can lead to thousands of dollars in medical bills and repair costs.
  • Lawsuit Defense – If you are sued after an accident, your policy can provide legal defense and settlement coverage up to your limits.
  • Peace of Mind – Whether you’re navigating Nashville traffic or cruising rural backroads, knowing you’re properly covered lets you focus on the road ahead.

Why Choose Cothren Insurance Agency?

  • Local Expertise – As a Lawrenceburg-based agency, we understand the unique needs of Tennessee drivers, from rural country roads to busy city highways.
  • Personalized Service – We work with multiple top-rated insurance carriers to compare options and build a policy that matches your lifestyle and budget.
  • Family-Focused Approach – Whether you’re insuring your first car, adding a teen driver, or protecting multiple family vehicles, we’ll guide you through every step.
  • Claims Support – When accidents happen, you won’t be left alone. Our team will walk you through the claims process and help you get back on the road quickly.