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Auto Insurance2018-07-25T13:39:53-05:00

Auto Insurance

If you’re looking for auto insurance in Nashville, Tennessee, look no further.  Most people simply think about damage to their car when they think about needing car insurance.  The truth is, auto insurance covers much more than just your car and we can partner with you to make sure you find the correct coverage for your individual needs.

There are many cars on the road and many distractions drivers deal with every day, so the chances of being involved in a car accident are plentiful.  It’s important to understand what your coverage options are, not just for your car, but for you, and people who may be injured as a result of negligence. You want to make sure that you have adequate insurance limits.

If you are ever found to be at-fault for someone else’s bodily injuries in a car accident and you don’t have proper insurance, it can be a devastating financial burden. The good news is, having great coverage doesn’t necessarily mean having higher insurance premiums. We are independent and we can take your current coverages and compare them with a wide range of insurance providers to see who offers you the best deal possible.  And if you don’t currently have coverage, we can find the best solutions for your needs.

The best part? It doesn’t cost you a penny more than to use us as an insurance agent. We get no override or fee. We are compensated by the insurance carriers directly, and work on your behalf to properly cover your needs and exposures, and make sure that there are no hidden gaps in your policy.

No two insurance contracts are the same, the fine print behind the cover page can vary from company to company.

Important Auto Insurance Coverages

When you browse through your policy, you may see certain coverages and wonder exactly what they are, and why they’re on your policy. Let us clarify a few of the more important ones for you.

Collision Coverage — this covers your car in the event that you damage the car itself somehow as the result of an accident with a fixed or moving object

Comprehensive Coverage — this coverage protects your car in the event that something else damages your car, that is not a fixed, or moving object (for example, theft or natural disaster)

Property Damage — this is the part of your policy that compensates other people for damage you cause to their property (car, house, or public property like a guard rail or sidewalk)

Bodily Injury Liability — this coverage protects your financial interest for medical bills and related expenses in the event you injure another party in an accident (Due to the high cost of medical care, it’s dangerous to carry liability limits that are too low. This is something we can help you decide on.)

Un-insured & Under-insured Liability — this coverage pays you, in the event that you are injured by another party, and that other party was either unidentified, or they weren’t carrying a high enough limit of Bodily Injury Liability to cover your expenses

Common Auto Insurance Rating Variables

Your Auto Insurance rate is determined by a few standard factors.  These include your age, credit, the car you drive, your driving history and your overall household level.  Some things to keep in mind:

  • Drivers who are under 25, and over 65 typically don’t get preferred rates because statistics show that those two age demographics have the most loss frequency and are therefore more at risk for financial loss due to an auto accident
  • The better your credit, the more favorable your rates will usually be
  • Your driving record and loss history plays a substantial role in the price. If you have a spotty driving history, or multiple moving violations or accidents, chances are, you won’t get a preferred rate until those things are at least 3 years old.
  • Insurance companies try to underwrite based on the entire household, what the probability of loss will be. If there are multiple drivers in the house who are under the age of 25, that will impact everyone’s pricing in the household

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