How-to Guide to Finding the Best Insurance Agent in Tullahoma

If you’re trying to find a licensed insurance agent in Tullahoma, you can always do the preliminary legwork on the web rather than picking up the phone. Consumers need a good agent, but also need cheap rates.

Multiple insurance agencies compete for your insurance dollar, and it can be difficult to compare rates to find the absolute lowest price

Buying auto insurance from a local Tullahoma agent

Licensed agents can point out coverage gaps and help file insurance claims. One of the great benefits of getting online price quotes is you may find the best rates but still work with a licensed agent.

Upon completion of this short form, the coverage information is instantly submitted to local insurance agents who will battle for your coverage. You won’t need to leave your house since price quotes are sent immediately to your email address. Now that’s easy! Get lower rates and a licensed agent to work with.

Deciding on an insurance agency should depend on more than just a low price. Agents should be asked these questions:

  • Do the companies they represent have a solid financial rating?
  • Does the agent have professional designations like CIC, CPCU or AIC?
  • If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
  • What insurance companies do they work with?
  • Do they receive special compensation for putting your coverage with one company over another?
  • Does the agency support the community they serve?

Choose an insurance agent wisely

When searching for a reliable agent, there are two types of insurance agents to choose from. Insurance agencies in Tullahoma are categorized either captive or independent.

Captive Insurance Agents

Captive agencies write business for a single company and examples are Farmers Insurance or State Farm. These agents are not able to compare other company’s rates so they have no alternatives for high prices. They receive extensive training in insurance sales which helps them sell insurance even at higher premiums.

Shown below is a list of captive insurance agents in Tullahoma that are able to give rate quotes.

Farm Bureau Insurance – 106 S Jefferson St – Tullahoma, TN 37388 – (931) 455-4899
Shelter Insurance – 203 E Grundy St – Tullahoma, TN 37388 – (931) 455-5812
Allstate Insurance Co – 313 N Jackson St # 2 – Tullahoma, TN 37388 – (931) 455-1721
Farmers Insurance Group – 613 E Carroll St – Tullahoma, TN 37388 – (931) 461-9876
State Farm Insurance – 301 N Jackson St – Tullahoma, TN 37388 – (931) 455-3417

Independent Agents (or Brokers)

Independent insurance agents are not employed by any specific company so they can insure your vehicles with any number of different companies and potentially find a lower price. If your agent finds better pricing, the agent simply finds a different carrier without you having to go to a different agency. When comparison shopping, we recommend you get quotes from several independent insurance agents for the best price selection.

Shown below is a short list of independent agents in Tullahoma that can give you price quotes.

James Adcock Agency – – Tullahoma, TN 37388 – (931) 455-3166
Cotton States Insurance – 303 N Jackson St – Tullahoma, TN 37388 – (931) 454-1682
Blake Tuggle Agency – 303 N Jackson St – Tullahoma, TN 37388 – (931) 454-1684
Direct General Ins Agency – 930 N Jackson St # A – Tullahoma, TN 37388 – (931) 455-2734
Tennesse Insurance – 311 W Carroll St – Tullahoma, TN 37388 – (931) 455-0206

To view a full list of Tullahoma insurance agents, go to this page.

Once you have received satisfactory answers to all your questions in addition to an acceptable price estimate, it’s possible that you found an insurance agent that is a good match to properly service your auto insurance policy.

Do online insurance companies have lower rates?

Insurance agencies are perfect for certain consumers, but you can also find affordable Tennessee auto insurance from online companies direct. Certain companies, such as Farmers Insurance and State Farm, that sell primarily through agents also permit you to buy online, so that should be considered.

If you’re uncomfortable with not getting proper coverage, this really isn’t an issue. Insurance companies have customer service departments for customer questions. Also available are a frequently asked questions page you can access prior to buying.

best Tullahoma agent

Does car insurance cost less online? It’s difficult to provide an answer since there may be dozens of rate factors that can increase policy rates. It’s logical to say that buying directly from the company cuts out the agent as a middleman. In reality, advertising budgets are huge and this tends to eat up any savings.

Smart consumers save more

The cheapest auto insurance can be found on the web in addition to many Tullahoma insurance agents, and you should compare price quotes from both to have the best selection. Some insurance providers do not provide online price quotes and these regional insurance providers work with independent agents.

When shopping online for auto insurance, it’s very important that you do not reduce needed coverages to save money. In too many instances, someone dropped liability coverage limits only to find out that they should have had better coverage. Your goal should be to buy the best coverage you can find at the best price.

More Tennessee auto insurance resources

More detailed Tennessee auto insurance information can be read at the Tennessee Department of Commerce and Insurance website. Consumers can view a list of available companies, find out which companies have the most complaints, and view agent and company licensing information.