Finding good auto insurance in Knoxville can be challenging since finding the best Tennessee insurance agent is not as easy as just calling the closest agent. It’s assumed you require not only a professional licensed agent, but you also want great rates as well.
With insurance companies like State Farm, Allstate, Farmers and independent agents having offices in Knoxville, it’s difficult to determine which will provide the cheapest rates and the best coverage. To help decide, you can use online price quotes in order to build a list of agencies to choose from.
Compare Knoxville agent rates online
Educated insurance agents can answer important questions and help in the event of a claim. One of the best bonuses of price shopping on the web is that you can obtain better rates and still have an agent to talk to. And supporting local businesses is especially important in Knoxville.
By using this simple form, the quote information is instantly submitted to participating agents in Knoxville who will battle for your insurance coverage. There is no need to even leave your home because quoted prices will be sent to your email. It doesn’t get any easier! It’s the lowest rates AND an agent nearby.
The type of auto insurance agent you choose is important
When finding an insurance agent, you must know there are a couple types of insurance agents to choose from. Knoxville agents are classified as either independent (non-captive) or captive.
Independent Agents (or Brokers)
Independent agencies do not work for one specific company so they can insure your vehicles with lots of companies and potentially find a lower price. If your agent finds better pricing, an independent agent can move your coverage and that require little work on your part. When searching for an agent, it’s recommended you get quotes from at a minimum one independent agency to get the best comparison.
Shown below are Knoxville independent agents that can give you competitive price quotes.
Brown Insurance – 124 W Summit Hill Dr – Knoxville, TN 37902 – (865) 524-2561
Able Insurance Of Farragut Inc – 11020 Kingston Pike # 100 – Knoxville, TN 37934 – (865) 966-4843
Walker Ott Agency – 9314 Millstone Ln – Knoxville, TN 37922 – (865) 531-2017
Troutman-Heidle Agency – 11020 Kingston Pike # 330 – Knoxville, TN 37934 – (865) 966-0013
Charlie White Agency – 7253 Oak Ridge Hwy # A – Knoxville, TN 37931 – (865) 693-7309
Captive insurance agents have only one company to place business with like American Family, State Farm and Allstate. These agents are unable to shop your coverage around so always compare other rates. Captive agencies receive extensive training on the products they sell which helps them sell insurance even at higher premiums.
The following are captive agencies in Knoxville that are able to give comparison quotes.
Shelter Insurance – 1529 Secretariat Blvd – Knoxville, TN 37931 – (865) 691-4111
Allstate Insurance Co – 244 N Peters Rd # 217 – Knoxville, TN 37923 – (865) 694-6145
Liberty Mutual Insurance – 2030 Falling Waters Rd # 100 – Knoxville, TN 37922 – (865) 539-0039
Farm Bureau Insurance – 11422 Kingston Pike # A – Knoxville, TN 37934 – (865) 671-4100
State Farm Insurance – 2330 Merchants Dr # B – Knoxville, TN 37912 – (865) 688-4651
Farmers Insurance Group – 8078 Kingston Pike # 117 – Knoxville, TN 37919 – (865) 691-3633
To view a complete directory of captive agencies in Knoxville, visit this site.
Picking an insurance agent requires more thought than just a low price. These are valid questions to ask:
- How much will you save each year by using a higher deductible?
- Is the agency involved in supporting local community causes?
- Can glass repairs be made at your home?
- Is vehicle mileage a factor when determining depreciation for repairs?
- Which members of your family are coverage by the policy?
After getting positive feedback to your questions and an acceptable price quote, chances are good that you have found an auto insurance agent that is a good match to adequately provide auto insurance.
Do online insurance companies have better rates?
Insurance agents are important to many people, but you can also find affordable Tennessee auto insurance direct from companies that only sell online. A few companies, such as State Farm, Allstate and Farmers, who sell through the agent channel also let you buy online, and that can save time.
If you’re concerned about not having professional advice when buying car insurance direct, don’t let it bother you. Online insurance companies have toll-free phone numbers and other options for getting questions answered.
Is it cheaper to buy car insurance online? It’s difficult to say for sure due to the fact that there are multiple individual factors that determine your policy premium. Common sense would say that going direct saves money by not requiring a commission. But in reality, marketing expenses are significant and this tends to eat up any savings.
When trying to find the best rates, the only way to determine if prices are better online or from an agent is to get price quotes for both. You can actually get different rates when quoting both agents prices and online prices from exactly the same company.
Online plus local equals savings
When shopping online for auto insurance, it’s very important that you do not reduce needed coverages to save money. There have been many situations where someone sacrificed uninsured motorist or liability limits only to regret at claim time that the small savings ended up costing them much more. The proper strategy is to get the best coverage possible at a price you can afford while not skimping on critical coverages.
Consumers switch companies for a number of reasons such as policy cancellation, an unsatisfactory settlement offer, policy non-renewal or high prices. Regardless of your reason for switching companies, finding the right auto insurance provider is pretty easy and you might even save some money in the process.
Learn more about auto insurance in Tennessee
Much more information about auto insurance in Tennessee is located on the website for the Tennessee Department of Commerce and Insurance located here. Tennessee drivers can get help finding coverage, find out which companies have the most complaints, view agent and company licensing information, and file complaints about an insurance agent or broker.