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 Vault Reciprocal Exchange under SERFF tracking number SPIS-134998820. The disposition date is July 9, 2026. The overall rate impact is −14.800%. Individual impacts on that same row run from −27.800% to +13.100%. The listing shows 50 policies affected.
A −14.800% headline is not a 14.8% cut for every driver. It is a book-level result. Some policies on that book can move down. Some can move up. The filed individual range on that row is −27.800% to +13.100%.
This is not the 12.700% Shelter Mutual filing already covered on this blog. It is not the 0.000% State Farm Mutual filing, SERFF SFMA-134835034. It is not the 3.200% InsureMax filing, SERFF ASRN-135021651. Different carriers. Different SERFF numbers. Different stories. This article is about SPIS-134998820.
By All Seasons Insurance Group
What did Tennessee post on SERFF tracking number SPIS-134998820?
TDCI says it posts the monthly auto table “to help consumers better understand and compare rate changes among insurers.” The Vault Reciprocal Exchange row is coded as 19.0001 Private Passenger Auto (PPA). Vault Reciprocal Exchange carries NAIC company code 16186.
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 |
|---|---|---|---|---|---|---|---|---|
| Vault Reciprocal Exchange | 16186 | SPIS-134998820 | 19.0001 Private Passenger Auto (PPA) | 07/09/2026 | −14.800% | −27.800% | 13.100% | 50 |
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.
Vault Reciprocal Exchange 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. Fifty policies is the smallest book currently printed on a decrease row of that June 2026 table.
Does a −14.800% overall rate impact mean every driver pays 14.8% less?
No. The overall figure is a book-level result. The same TDCI table prints a minimum and a maximum on every row. On the Vault row those bounds are −27.800% and +13.100%.
Do not round −14.800% to 15%. Do not treat 13.100% as a typical outcome. The table does not say how many of the 50 policies sit near the overall number, near the ceiling, or near the floor. A household can move the wrong direction from the headline and still sit inside the filed range. A decrease filing can still print an increase at the top of the individual range.
The table does not print a household premium or a new-business versus renewal effective date. It prints a disposition date: 07/09/2026. 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 auto filings already on this blog?
On August 10, 2026, this blog covered a 12.700% increase posted for Shelter Mutual Insurance Company, effective April 21, 2026. Do not paste a 12.700% number onto a Vault renewal. Do not paste a −14.800% number onto a Shelter renewal.
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. It is not SERFF SPIS-134998820.
A later ASIG post covers InsureMax Insurance Company, SERFF ASRN-135021651, disposition August 3, 2026: 3.200% overall, −15.000% to +15.000%, on 1,912 policies. Those are increase or 0.000% headlines. This Vault row is a decrease headline with a 13.100% ceiling on 50 policies.
The Shelter article is A 12.7% Tennessee Auto Rate Increase Just Cleared the State Filing System. The State Farm article is A 0% Tennessee Auto Filing Still Moved Some Drivers 18% — 1.2 Million Policies Are on That Book. The InsureMax article is A 3.2% Tennessee Auto Filing Still Lets Drivers Move ±15% — 1,912 Policies Are on That Book. If a renewal notice mentions a percentage and no SERFF number, look the carrier up on the current TDCI table before assuming it is any of those filings, or this −14.800% change.
What do the filed minimum and maximum numbers mean on a renewal?
They are the individual-impact bounds TDCI printed for that SERFF row. They are not a promise that any one household will move to the maximum, or to the minimum, or land on −14.800%. They are the range shown for policies on that book.
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. The comparison that matters this week is arithmetic, not a phone-script explanation that “the company filed a decrease.”
If the renewal premium is different from the current premium, and the declarations page otherwise matches — same cars, same limits, same deductibles, same listed drivers — the percent change is the new premium minus the old premium, divided by the old premium. Do not round a three-decimal filing number to a whole percent. Then read that percent against the filed minimum and maximum. For the Vault book the printed bounds are −27.800% and +13.100%. A change inside the range is consistent with the filing. It is not proof that the filing is the only reason the premium moved. Territory, vehicles, drivers, and discounts can also move a number. The TDCI table does not assign a reason to a household.
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 Vault Reciprocal Exchange and SERFF SPIS-134998820. Read the overall, minimum, maximum, policies-affected, and disposition-date columns.
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. Printing at the public 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. The table is public. 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 Vault book those printed numbers are −27.800%, −14.800%, and +13.100%.
- If the percent change sits inside the filed range, treat the filing as one possible explanation, not the only one.
- If the percent change sits outside the filed minimum and maximum, write down both premiums, the exact percent, SERFF SPIS-134998820, and the July 9, 2026 disposition date. Then 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 and the Blount County auto page.
What if a renewal change does not match the filed range?
TDCI Consumer Insurance Services exists to educate consumers and mediate insurance-related disputes. 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 SPIS-134998820. 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 −14.800% filing on 50 policies actually tell a driver?
It tells you the carrier filed a book-level result of −14.800% and a household-level range that is not −14.800%. The state posted that fact on a consumer page built so people can compare rate changes among insurers. It does not tell you what one household will pay. It does not promise coverage, eligibility, or price.
It tells you 50 policies are on the Vault Reciprocal Exchange row, NAIC 16186, and that the printed individual bounds are −27.800% and +13.100%. A 50-policy book is not a statewide rate story. It is still a public filing with a printed swing that includes an increase. A decrease headline that can still move a driver 13.100% up is the story. Read the three percentages as they were printed. Then put this week’s renewal next to the current declarations page.
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.
