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 August 2026 — last updated September 2, 2026, at 9:58 a.m. — lists Unique Insurance Company under SERFF tracking number SGIC-135021964. The disposition date is August 5, 2026. The overall rate impact is 0.000%. The maximum rate impact is 56.400%. The minimum rate impact is −44.200%. The listing shows 1,127 policies affected.
That swing is the story. A book-level zero is not a household freeze, and it is not a 56.400% hike for every driver on the row. TDCI printed both ends. This is not the live Allstate Indemnity 15.500% filing on 929 policies. Different company. Different SERFF. Different policy count. This article is about SGIC-135021964.
Seasons change. So should your coverage. For a free policy review, call 865-263-1400 or visit asigtn.com/get-a-quote/.
By All Seasons Insurance Group
What did TDCI post for Unique Insurance Company on SERFF SGIC-135021964?
TDCI says it posts the monthly auto table “to help consumers better understand and compare rate changes among insurers.” The Unique Insurance Company row is coded as 19.0001 Private Passenger Auto (PPA). The company carries NAIC company code 10655.
| Company | NAIC | SERFF | Coverage | Disposition | Overall | Minimum | Maximum | Policies affected |
|---|---|---|---|---|---|---|---|---|
| Unique Insurance Company | 10655 | SGIC-135021964 | 19.0001 Private Passenger Auto (PPA) | 08/05/2026 | 0.000% | −44.200% | 56.400% | 1,127 |
Source: TDCI Monthly Auto Policy Rates, table current as of August 2026; live rows in the page DataTable JSON. Page last updated September 2, 2026, at 9:58 a.m. Figures copied from that JSON. No other percentages added.
Does a 0.000% overall mean every Unique driver pays the same premium?
No. Not from this row. TDCI printed a book-level overall of 0.000% and an individual range from −44.200% to 56.400% on 1,127 policies. A driver whose premium moved 56.400% up is still inside the printed range. A driver whose premium moved 44.200% down is also inside the printed range. Neither result is a household forecast for a reader whose declarations page shows a different NAIC code.
How is this different from the earlier Unique 0% post that only emphasized the overall?
An earlier ASIG post covered Unique’s zero overall. This article focuses on the printed individual swing: −44.200% to 56.400% on 1,127 policies under SERFF SGIC-135021964. Same carrier row; different emphasis on the max/min columns. Do not paste an Allstate Indemnity 15.500% overall or a 30.700% Allstate ceiling onto this Unique book.
What does a 56.400% maximum on a 0.000% overall row mean?
It means TDCI printed 56.400% as the maximum rate impact and −44.200% as the minimum for Unique on this SERFF, while the overall stayed 0.000% across 1,127 policies. The table does not explain how the 1,127 policies split between increases and decreases. This article does not invent a split. Compare a renewal to the current 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 August 2026.” Find Unique Insurance Company, NAIC 10655, SERFF SGIC-135021964. Confirm overall 0.000%, minimum −44.200%, maximum 56.400%, and 1,127 policies affected. To read the filing itself, use SERFF Filing Access for Tennessee.
What should a Tennessee driver do this week?
- Pull the current declarations page — the page, not a cropped phone photo of a premium total. Confirm the issuing company name and, if printed, the NAIC code.
- Pull the renewal offer for the same policy number.
- Line them up: vehicles, listed drivers, liability limits, 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. For this Unique row the printed numbers are 0.000% overall, −44.200% minimum, and 56.400% maximum on 1,127 policies, disposition August 5, 2026.
- Compare the current offer with other quotes at asigtn.com/get-a-quote or 865-263-1400.
What if a renewal change sits outside −44.200% to 56.400%?
TDCI Consumer Insurance Services mediates insurance-related disputes. File a complaint on the online insurance complaint form. 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 both premiums, the percent change, SERFF SGIC-135021964, and NAIC 10655.
Does this article promise a premium cut or increase?
No. It restates the public TDCI August 2026 Unique row: 0.000% overall with a −44.200% to 56.400% individual range on 1,127 policies. It does not promise coverage, eligibility, or price for any reader.
Seasons change. So should your coverage.
