Quick Guide to Researching a Hendersonville Insurance Agency

Comparing auto insurance rates in Hendersonville can be a lot of work since there are a lot of options and selecting the best Hendersonville insurance agency for your needs takes more work than just making a phone call. Consumers require a professional licensed agent, but also the cheapest rates you can possibly find.

Many car insurance agents vie for your insurance dollar, so it can be very hard to choose a car insurance agent and uncover the absolute lowest price

Car Insurance from Hendersonville insurance agents

Professional agents can help determine the best coverages and help you file claims. The biggest benefit of price shopping on the web is you may find better rates and still have an agent to talk to.

After completing this quick form, your information is immediately sent to agents in your area who will compete for your coverage. You don’t have to visit any agencies due to the fact that quote results will go straight to your inbox. How cool is that?! You’ll get the best rates and a licensed agent to work with.

Choosing an auto insurance agent should depend on more than just the price. Any agent should have no problem answering these questions:

  • Can they give you a list of client referrals?
  • Does the agency have a good rating with the Better Business Bureau?
  • Does the company allow you to choose your own collision repair facility?
  • Is assistance available after office hours?
  • Who is covered by the car insurance policy?
  • Do they review policy coverages at every renewal?

Is a captive or independent insurance agency right for you?

When looking for a reliable agent, you need to know there are two different types of agents that you can select. Agents can either be independent or captive.

Agency Captives

Captive insurance agents can only write with one company and some examples include Allstate, AAA, Liberty Mutual and State Farm. These agents are unable to provide prices from multiple companies so always compare other rates. Captive agents are trained well on their products and sales techniques which helps them sell insurance even at higher premiums.

The following are Hendersonville captive agents that can give you price quote information.

Farm Bureau Insurance – 110 Sanders Ferry Rd # 4 – Hendersonville, TN 37075 – (615) 826-2833
Farmers Insurance Group – 635 E Main St # 2 – Hendersonville, TN 37075 – (615) 824-3040
Liberty Mutual Insurance – 311 E Main St # 5 – Hendersonville, TN 37075 – (615) 822-7196
Allstate Insurance – 919 W Main St – Hendersonville, TN 37075 – (615) 338-4500
State Farm Insurance – 613 W Main St – Hendersonville, TN 37075 – (615) 824-3311
Shelter Insurance – 699 W Main St # 202 – Hendersonville, TN 37075 – (615) 822-8990

Independent Agents (or Brokers)

Independent agencies are not locked into one company so they have the ability to put coverage with any number of different companies enabling the ability to shop coverage around. If you are not satisfied with one company, the business is moved internally and you don’t have to find a new agent.

When shopping rates, it’s a good idea to include price quotes from several independent insurance agents to get the best comparison.

Listed below is a short list of independent agents in Hendersonville that are able to give rate quotes.

Watson Insurance – 713 W Main St – Hendersonville, TN 37075 – (615) 824-8869
Larry Williams Agency – 635 E Main St # 2 – Hendersonville, TN 37075 – (615) 264-8418
Direct General Ins Agency – 387 W Main St – Hendersonville, TN 37075 – (615) 824-4637
Zettergren Agency – 315 W Main St # 20 – Hendersonville, TN 37075 – (615) 822-4780
Jantz Insurance and Financial – 555 E Main St – Hendersonville, TN 37075 – (615) 824-9200

For a complete listing of auto insurance agents in Hendersonville, please click here.

Upon getting positive feedback in addition to an acceptable price estimate, you’ve probably found a car insurance agent that can insure your vehicles.

What about online companies that don’t use agents?

Licensed agents are perfect for certain consumers, but Tennessee consumers also have the option to buy direct over the internet. Some companies, such as Farmers Insurance and State Farm, who have local Hendersonville agents also give you the ability to buy a policy online, so this should also be taken into consideration as an alternative to contacting agents.

If you’re worried about not having an agent to talk to, that should not be a issue. All companies that allow you to purchase coverage provide access to licensed agents to help you decide which coverages are appropriate. You can also use online education and live help anytime to help you answer questions.

Is pricing better online? That question is hard to answer due to the fact that there are many factors that impact your premium. Common logic is that buying online saves by not paying a commission. For most companies selling online, however, advertising and marketing take a lot of money so this can offset any savings.

best Hendersonville TN agent

The only way to determine who has the best rates, online companies or local insurance agents, is to get price quotes for both. It’s fairly common that you receive different coverage costs from insurance agents and online quoting for the exact same company. But you can’t find out which method provides the best price unless you actually compare identical quotes from both.

Read more about Tennessee auto insurance

More detailed Tennessee auto insurance information is located at the Tennessee Department of Commerce and Insurance website. Tennessee drivers can read state legal mandates and laws, file complaints about an insurance agent or broker, and view a list of available companies.

Summing up your auto insurance search

When shopping online for auto insurance, it’s a bad idea to buy lower coverage limits just to save a few bucks. There are many occasions where drivers have reduced collision coverage and learned later that a couple dollars of savings turned into a financial nightmare. Your strategy should be to get the best coverage possible for the lowest price while still protecting your assets.

Insureds leave their current company for any number of reasons including denial of a claim, questionable increases in premium, being labeled a high risk driver or even high rates after DUI convictions. No matter why you want to switch, choosing a new company is pretty easy and you might even save some money in the process.