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Are you looking for cheap car insurance in Memphis, TN? You've come to the right place! There are many sources for cheap car insurance in Memphis. I will highlight some of the more popular ones below. Keep reading to discover how to obtain your desired coverage and for how much.240sx insurance offer this kind of policy - Personal Injury Protection or PIP. This is a must-have if you live in or around Memphis. This coverage pays for your medical expenses resulting from an on-the-job accident, regardless of who was at fault. The best way to explain Personal Injury Protection is that it covers you for pain and suffering, lost wages, and funeral expenses incurred by you as well as/or your family members, if you are killed in an automobile accident. You can either choose to have this kind of coverage included in your auto insurance policy, or you can purchase a rider to include it.If you don't have Personal Injury Protection coverage, the next-best option for you is the "No-Fault" insurance policy. This kind of coverage only pays for injuries sustained on the premises of your residence. If you own your vehicle, you are required by law to have collision and comprehensive coverage. If you don't own your vehicle, you can choose to purchase a "rider," which is an add-on to your regular auto insurance policy. The best way to find cheap car insurance in MEMPHIS is to find the cheapest most comprehensive policy that also offers the maximum amount of liability coverage you require.Personal Injury Protection coverage is available at a low price, especially if you purchase it online. A lot of auto insurance companies in MEMPHIS will offer cheap car insurance in Memphis by offering discounts on your Personal Injury Protection coverage when you purchase your policy online. In order to receive this discount, you must purchase full coverage around your home, apartment, condo, or other residential dwelling. Personal Injury Protection coverage is required in all states, and it is a good idea to have it as much as possible, since it is your insurance coverage in the event you are sued for something because of an accident you have no control over.In order to get cheap car insurance in Memphis, you must have the "smoke" and alcohol optional coverage listed on your auto insurance policy. A lot of auto insurance companies in MEMPHIS won't count on you buying this coverage, since it's considered optional. Even though it's not required, it can really help you save money in case you get pulled over for speeding or do damage to someone's vehicle while driving drunk. You should also buy the "no fault" and "affirmative defense" clauses, if you've been accused of something in the past. If you've been accused of drunk driving, assault, battery, theft, or anything else related to driving, you need to know you can get out of paying all those fees. Cheap car insurance in Memphis can be found easily by getting quotes from a variety of different auto insurance providers.The most important thing you can do in order to save money on car insurance in Memphis is to find the best car insurance companies in the area. It doesn't matter whether you drive an old car or a new one, as long as you own it you're covered. By the time you've checked with several different companies, you should have a pretty good idea of who will offer you the best deals. Next, find out what their financial strength is. The best companies in the market are those that have a solid financial structure, and they are consistently making money. Companies with less financial strength have smaller profit margins, and their coverage options aren't nearly as strong.Once you've checked with the best car insurance companies in the area and found one you like, start by asking about their coverage options. Many carriers cover all makes and models in Memphis, but not all of them will offer you everything you may need. Determine which carriers have the widest range of coverage options and go with them.If you have any questions about what kind of coverage your Memphis car insurance company offers, ask them about their bodily injury and property damage liability coverage options. This type of coverage protects you for medical bills or for replacement costs for your vehicle in the event you are involved in a car accident. Remember, there's a limit on the amount of bodily injury coverage that your policy will provide, so make sure you get that coverage, too. If you don't have this type of coverage, look into purchasing it from another carrier.