The Tennessee Department of Commerce and Insurance publishes monthly automotive insurance policy rate-change information filed through the System for Electronic Rate and Form Filing. The table current as of June 2026 — last updated August 4, 2026, at 8:56 a.m. — lists American States Preferred Insurance Company under SERFF tracking number LBPM-134876214. The disposition date is May 29, 2026. The overall rate impact is 0.000%. The maximum rate impact is 0.000%. The minimum rate impact is 0.000%. The listing shows 11,194 policies affected.
A 0.000% headline on this row is not a redistribution story. TDCI printed the same number three times: overall, maximum, and minimum. That is not the live State Farm Mutual 0.000% filing, SERFF SFMA-134835034, which posted a −17.440% to +18.450% swing on 1,212,042 policies on the same May 29, 2026 disposition date. It is not the State Farm Fire and Casualty row on that same SERFF and date, which posted −17.260% to +21.620% on 24,527 policies. Three 0.000% overalls. One calendar date. Three printed ranges. This article is about LBPM-134876214.
By All Seasons Insurance Group
What did Tennessee post on SERFF tracking number LBPM-134876214?
TDCI says it posts the monthly auto table “to help consumers better understand and compare rate changes among insurers.” The American States Preferred row is coded as 19.0001 Private Passenger Auto (PPA). American States Preferred Insurance Company carries NAIC company code 37214.
Those figures come from the live DataTable behind the public page. TDCI prints company name, NAIC code, SERFF tracking number, type of coverage, disposition date, overall rate impact, maximum, minimum, and policies affected.
| Company | NAIC | SERFF | Coverage | Disposition | Overall | Minimum | Maximum | Policies affected |
|---|---|---|---|---|---|---|---|---|
| American States Preferred Insurance Company | 37214 | LBPM-134876214 | 19.0001 Private Passenger Auto (PPA) | 05/29/2026 | 0.000% | 0.000% | 0.000% | 11194 |
Source: TDCI Monthly Auto Policy Rates, table current as of June 2026; live rows in the page DataTable JSON. Page last updated August 4, 2026, at 8:56 a.m. Figures copied from that JSON. No other percentages added. The JSON prints the policy count as 11194, without a comma.
American States Preferred is named only because that row is public on TDCI. This article does not say the carrier will quote, renew, or remain available in East Tennessee.
Does a 0.000% overall rate impact always mean some drivers still move?
No. Not on this row. May 29, 2026 is the disposition date on three 0.000% overall auto rows in the current table. Two of them — State Farm Mutual and State Farm Fire and Casualty — print individual ranges that are not 0.000%. This American States Preferred row prints 0.000% overall, 0.000% maximum, and 0.000% minimum on 11,194 policies. The three printed percentages match.
Do not copy a State Farm Mutual 18.450% ceiling onto an American States Preferred renewal. Do not copy a State Farm Fire 21.620% ceiling onto this book. Do not copy a MemberSelect 12.300% ceiling onto LBPM-134876214. TDCI printed 0.000% three times here. That is the fact this article is about.
The table does not print a household premium or a new-business versus renewal effective date. It prints a disposition date: 05/29/2026. The renewal offer prints the new premium. The current declarations page prints what is already in force. This article does not forecast what any reader will pay.
How is this different from the other May 29 0.000% filings?
On August 19, 2026, this blog covered State Farm Mutual Automobile Insurance Company, SERFF SFMA-134835034, disposition May 29, 2026: 0.000% overall, −17.440% to +18.450%, on 1,212,042 policies. That 0.000% story is a redistribution on a book of more than a million policies.
The same SERFF and date also list State Farm Fire and Casualty Company, NAIC 25143: 0.000% overall, −17.260% to +21.620%, on 24,527 policies. Same calendar date. Same 0.000% overall. Different company. Different swing.
This American States Preferred row is a third 0.000% overall with a different printed range: 0.000% to 0.000% on 11,194 policies, SERFF LBPM-134876214, NAIC 37214. If a renewal notice says “the company filed 0%” and does not print a SERFF number, look the carrier up. The three May 29 0.000% overall rows are not interchangeable.
The Mutual article is A 0% Tennessee Auto Filing Still Moved Some Drivers 18% — 1.2 Million Policies Are on That Book. The Root true-zero article is A 0.000% Tennessee Auto Filing That Actually Stayed 0% — 8,322 Policies, No Individual Swing. The MemberSelect article is A 0% Tennessee Auto Filing Still Lets Drivers Move 12.300% — 11,285 Policies Are on That Book. Root is a true-zero on a July 1 disposition. This row is a true-zero on the same May 29 date as the two State Farm swings.
What do a 0.000% minimum and 0.000% maximum mean on a renewal?
They are the individual-impact bounds TDCI printed for that SERFF row. On this book those bounds are the same number as the overall: 0.000%. They are not a promise that a household premium cannot move for some other reason. Territory, vehicles, drivers, discounts, and a change in the declarations page can still move a number. The TDCI table does not assign a reason to a household.
A renewal offer is a new premium. A declarations page is the current contract summary: vehicles, coverages, limits, deductibles, listed drivers, and the premium that was in force. If the renewal premium is different from the current premium, and the declarations page otherwise matches, the percent change is the new premium minus the old premium, divided by the old premium. Do not round. Then read that percent against 0.000%, 0.000%, and 0.000%.
A household percent change that is not 0.000% is not explained by the individual range printed on LBPM-134876214. That is the opposite of the two State Farm 0.000% rows from the same date, where a non-zero household change can still sit inside a printed swing. Write the two premiums down. Then use the TDCI complaint path below if the change cannot be reconciled to this row or to some other documented change on the declarations page.
How can a Tennessee driver look this filing up?
Start on the public table. Open TDCI Monthly Auto Policy Rates. The page header says “As of June 2026.” Find American States Preferred Insurance Company and SERFF LBPM-134876214. Read the overall, minimum, maximum, policies-affected, and disposition-date columns. Confirm that all three rate-impact columns print 0.000%.
To read the filing itself, use SERFF Filing Access for Tennessee. TDCI says certain rate and form filings are available there for public review. Saving or printing through SFA is free of cost. The department also keeps a public kiosk for in-person review during normal business hours. Printing at that kiosk costs 50 cents per page. For an appointment, the portal lists (615) 741-2825 and [email protected]. Help finding a filing: (615) 741-5074, Monday through Friday during normal business hours.
What should a Tennessee driver actually do this week?
Do the paperwork, not the guesswork. A 0.000% / 0.000% / 0.000% row is still a public row. The renewal and the current declarations page are the two documents that matter this week.
- Pull the current declarations page — the page, not a cropped phone photo of a premium total.
- Pull the renewal offer for the same policy number.
- Line them up: vehicles, any VIN that is printed, listed drivers, liability limits, comprehensive and collision deductibles, and the premium.
- If the only material change is the premium, compute the percent change. Do not estimate. Do not round.
- Open the TDCI monthly auto-rate table and find the company that issued the policy. For this American States Preferred book the printed numbers are 0.000%, 0.000%, and 0.000% on 11,194 policies, disposition May 29, 2026.
- If the percent change is 0.000% and the declarations page otherwise matches, the printed row is consistent with a flat premium.
- If the percent change is not 0.000%, write down both premiums, the exact percent, SERFF LBPM-134876214, and the May 29, 2026 disposition date. Look for a documented change on the declarations page. If there is none, use the TDCI complaint path below.
- Compare the current offer with other quotes. A free policy review or quote is available from All Seasons Insurance Group at asigtn.com/get-a-quote or 865-263-1400. Practical coverage questions after a renewal sit in our Knoxville liability and deductible guide.
What if a renewal change does not match the filed range?
TDCI Consumer Insurance Services exists to educate consumers and mediate insurance-related disputes. Investigators determine whether the insurance company or producer is acting in accordance with Tennessee laws, rules, and regulations. Consumers who have an issue with their insurance company can file a complaint on the online insurance complaint form, or print the form and mail or fax it. The policy must have been written in Tennessee. Mail goes to Consumer Insurance Services, 500 James Robertson Parkway, 10th Floor, Nashville, TN 37243. Questions: 615-741-2218 or 1-800-342-4029.
Bring the two premiums, the percent change, the declarations page, the renewal offer, and SERFF LBPM-134876214. Do not send an AI-generated summary as the complaint. TDCI warns that AI tools can generate inaccurate information about insurance topics and that incorrect AI material can slow a complaint because the Division has to fact-check it.
What does a 0.000% / 0.000% / 0.000% filing on 11,194 policies actually tell a driver?
It tells you this 0.000% overall is not the same fact as the two State Farm 0.000% overalls posted the same day. The state posted a book of 11,194 American States Preferred policies, NAIC 37214, with no printed individual swing. It does not tell you what one household will pay. It does not promise coverage, eligibility, or price. It tells you not to paste an 18.450% Mutual ceiling, a 21.620% Fire and Casualty ceiling, or a 12.300% MemberSelect ceiling onto LBPM-134876214.
Read the three percentages as they were printed. Then put this week’s renewal next to the current declarations page. If the premium moved and the page did not, this row is not the explanation.
Seasons change. So should your coverage.
All Seasons Insurance Group can sit a current declarations page next to a renewal offer and walk the filed minimum, overall, and maximum. That is a free policy review or quote — not a coverage promise and not a guarantee of eligibility or price. Call 865-263-1400 or request it at https://asigtn.com/get-a-quote/.
This article is informational only. It does not promise coverage, price, eligibility, or that any filing will change a specific reader’s premium.
