How to Get the Best Car Insurance Rates From Agents in Greeneville

When searching for a licensed insurance agent in Greeneville, it’s recommended you do the preliminary legwork by comparing prices online to save time. It’s likely you want a professional licensed agent, but you also want the best rates possible.

With insurance companies like American Family, Allstate, State Farm and Farmers having offices in Greeneville, consumers have a hard time knowing which one will provide the best service and rates. To begin, consumers can use online price quotes to assemble a group of agencies and price estimates.

How to buy car insurance from an agent in Greeneville

Insurance agents are trained to spot inefficiencies and help submit paperwork. The best thing about price shopping on the web is the fact that you can find lower rates but also keep your business local. Buying from small agencies is definitely important in Greeneville.

Upon completion of this simple form, your coverage information is transmitted to local insurance agents in Greeneville who will return price quotes for your insurance coverage. You don’t have to visit any agencies because quoted prices will be sent immediately to your email address. Now that’s easy! You’ll get the best rates and work with a local agent.

What type of Greeneville insurance agency is right for you?

When researching a good Greeneville insurance agent, you must know there are a couple types of insurance agents that differ in how they can insure your vehicles. Agents are categorized either captive or independent.

Independent Insurance Agents

Independent agencies are not required to write business for one company so they can insure your vehicles with multiple insurance companies and possibly get better coverage at lower prices. If your agent finds better pricing, an independent agent can move your coverage and you won’t have to switch agencies.

When searching for an agent, we recommend you include at least one independent agent for maximum quote selection. They often place coverage with smaller regional carriers which can save you money.

Below are independent insurance agencies in Greeneville who can help you get competitive price quotes.

  • Leroy Weems Agency – 120 W Summer St # 4 – Greeneville, TN 37743 – (423) 638-5391
  • Danny Shaw Insurance – 1000 Snapps Ferry Rd – Greeneville, TN 37745 – (423) 639-1522
  • Chris A Orr Insurance – 1104 Tusculum Blvd – Greeneville, TN 37745 – (423) 638-7296
  • Moore Agency Inc – 517 Tusculum Blvd – Greeneville, TN 37745 – (423) 639-3126
  • Andrew Johnson Agency – 1340 Oregon Trl – Greeneville, TN 37743 – (423) 638-4300
Captive Insurance Agents

Captive insurance agents work for only one company like Allstate, Farmers Insurance, State Farm and AAA. These agents are unable to shop your coverage around so it’s a take it or leave it situation. They are usually quite knowledgeable on the products they sell which can be an advantage. Consumers frequently buy from captive agents partially due to the prominence of the brand and the convenience of having a single billing for all their coverages.

The following are captive agents in Greeneville who can help you get price quote information.

  • State Farm Insurance – 228 N Main St # 6 – Greeneville, TN 37745 – (423) 639-7251
  • Allstate Insurance – 105 Village Dr # 2 – Greeneville, TN 37745 – (423) 787-1069
  • Farmers Insurance Group – 1107 Temple St – Greeneville, TN 37745 – (423) 636-1878

To view a complete directory of captive insurance agents in Greeneville, simply jump to this page.

Picking a car insurance agent needs to be determined by more than just a low price. Any agent should have no problem answering these questions:

  • Does the agency have a good rating with the Better Business Bureau?
  • Is the agent and/or agency licensed to do business in Tennessee?
  • How much will you save each year by using a higher deductible?
  • Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
  • Do they make recommendations based only on price?
  • If you have an accident, are you able to get your vehicle repaired at the shop of your choice?

Upon receiving satisfactory answers and locked in a price quote, you’ve probably found a car insurance agent that meets your needs to service your policy.

Isn’t it cheaper to buy direct from companies like GEICO and Progressive?

Auto insurance agents are a valuable resource, but Tennessee car insurance can also be bought from companies direct over the internet. Some specific companies, such as Farmers Insurance and State Farm, who sell through the agent channel also permit you to buy direct on their websites, and consumers should do that if you are the do-it-yourself type.

If you’re concerned about choosing your own coverages when shopping online, don’t let it bother you. Auto insurance companies that require consumers to choose their own coverages give you access to trained agents for getting questions answered.

Does car insurance cost less online? It’s difficult to provide an answer because there are so many things that influence your rates. Many people think that buying direct reduces premiums because there is no agent. For the majority of companies, however, getting their brand in front of customers is expensive so rates may not be all that different from traditional agents.

Additional information can be found on the Tennessee Department of Commerce and Insurance website through this link. Consumers can find disaster information, view agent and company licensing information, view a list of available companies, and read state legal mandates and laws.

find Greeneville Tennessee insurance agents

Online plus local equals savings

Affordable car insurance is available online and with local Greeneville insurance agents, and you should be comparing both so you have a total pricing picture. There are still a few companies who do not offer the ability to get a quote online and many times these smaller companies only sell through independent insurance agents.

As you shop your coverage around, it’s not a good idea to buy poor coverage just to save money. In many instances, an insured dropped comprehensive coverage or liability limits and learned later that the few dollars in savings costed them thousands. The proper strategy is to buy a smart amount of coverage at an affordable rate while still protecting your assets.