Frequently Asked Questions

It’s essential to purchase car insurance before buying a vehicle. Driving without insurance is against the law and can result in financial responsibility if an accident occurs. Whether you’re purchasing from a dealership or an individual seller, obtain a car insurance quote and secure a policy. For car insurance options in Chattanooga, TN, reach out to Ramsey Family Insurance.

Yes. The make and model of the car you drive plays a factor in your car insurance rates. The cost of your vehicle also makes a big difference; the more it costs to repair or replace your vehicle, the more you will pay to insure it.

Available discounts depend on who you choose to get insurance with. However, common car insurance discounts include various affiliation discounts, reduced rates for students, good driver/no-accident discounts, and hybrid or electric vehicle discounts. 

One of the most common discounts is a bundling discount for people who have both their home and auto insurance through the same carrier.

Your state should have a minimum amount that you need to carry. However, this is usually not enough insurance to cover the cost of most accidents. You should really carry the amount of insurance you can comfortably afford.

Car insurance does not cover wear and tear on your vehicle and general maintenance. Personal belongings are not covered and any amount exceeding your coverage is not covered.

This depends on your policy but most likely it will. It is always good practice to know your limits on your coverage.

Liability insurance is the portion of your insurance policy that pays for damage you cause to another driver or their property in an at-fault accident. 

Liability insurance is typically broken down into two parts:

• Bodily injury liability coverage
• Property damage liability coverage

Usually you can get a policy the same day and sometimes within hours.

While your standard auto insurance policy will cover your car, you may need different types of insurance if you have different types of vehicles. Commercial trucks, motorcycles, ATVs, and RVs all require their own kind of insurance, which can be purchased from most insurance companies.