Comparing auto insurance companies in Maryville, TN can be challenging because picking a good Tennessee auto insurance agent is more difficult than just making a phone call. You require a great agent that can assess your needs, but also need the cheapest rates you can possibly find.
With consumers having so many options, it’s difficult to find the right company.
Best way to find Maryville agents
Professional agents are trained to spot inefficiencies and help you file claims. The biggest benefit of comparing rates online is you can get the best rates and still choose a local agent.
To make it easy to find an agent, after completing this simple form, your insurance data is emailed to local insurance agents in Maryville who will compete for your coverage. You don’t have to even leave your home due to the fact that quote results will go to the email address you provide. It doesn’t get any easier!
Deciding on a car insurance agent needs to be determined by more than just the bottom line cost. Any agent should have no problem answering these questions:
- Does the agent have professional designations like CIC, CPCU or AIC?
- Do they have adequate Errors and Ommissions coverage? This protects you if they make a mistake.
- Can glass repairs be made at your home?
- Do they make recommendations based only on price?
- Do they regularly work with personal auto policies?
- How many years of experience in personal lines insurance coverages do they have?
- Do you have coverage for a rental car if your vehicle is in the repair shop?
- Do they assist clients in filing claims?
Types of insurance agents
When researching a good insurance agency, there are a couple of types of agencies from which to choose. Agencies in Maryville are categorized either captive or independent. Either one can insure your vehicles, but it’s worth learning how they are different since it may influence your selection of an agent.
Captive Insurance Agents
This type of agents are contracted to one company such as Allstate, Farmers Insurance or State Farm. Captives cannot provide prices from multiple companies so they have to upsell other benefits. These agents are well schooled on their products and sales techniques which can be an advantage.
Shown below is a list of captive agencies in Maryville that are able to give comparison quotes.
Allstate Insurance Co – 403 S Court St – Maryville, TN 37803 – (865) 983-0420
State Farm Insurance – 2121 E Broadway Ave – Maryville, TN 37804 – (865) 983-5579
Farmers Insurance Group – 358 S Washington St – Maryville, TN 37804 – (865) 983-6241
Independent Agents
Independent insurance agents do not work for one specific company so they have the ability to put coverage with many different companies and potentially find a lower price. If you are not satisfied with one company, the business is moved internally without you having to go to a different agency.
When shopping rates, it’s a good idea to contact multiple independent agents for the best price selection.
Shown below are Maryville independent insurance agents who can help you get comparison quotes.
Templar Agency – 115 W Broadway Ave – Maryville, TN 37801 – (865) 681-4321
Direct General Ins Agency – 1824 W Broadway Ave – Maryville, TN 37801 – (865) 977-4488
Hitson Insurance – 1713 E Broadway Ave – Maryville, TN 37804 – (865) 983-8114
Indiana Insurance Co – 502 Belle Meade Dr – Maryville, TN 37803 – (865) 980-0520
For a full directory of licensed insurance agents in Maryville, please click here.
After getting reasonable responses for all questions you ask as well as a affordable price, chances are good that you have found an auto insurance agent that is a good match to adequately provide auto insurance.
Can I save by eliminating the insurance agent?
Car insurance agents serve a purpose, but Tennessee drivers can also buy from online companies direct. Some companies who have local agents in Maryville also permit you to buy direct online, and that is helpful if you prefer not to work with an agent.
If you’re uncomfortable with not having an insurance agent’s advice, this is expected but don’t let that bother you. Auto insurance companies that allow you to purchase coverage give you access to trained agents for customer questions.
Are online premiums lower? It’s hard to say exactly because there are a lot of things that influence how your policy is priced. Some people will tell you that buying online saves the cost of an agent commission. For most online online companies, however, advertising and marketing take a lot of money so the lack of a commission may be a wash.
What is YOUR best insurance company?
Consumers leave their current company for a number of reasons such as an unsatisfactory settlement offer, delays in paying claims, not issuing a premium refund and even policy cancellation. It doesn’t matter what your reason, choosing a new insurance company can be less work than you think.
Cost effective auto insurance is attainable from both online companies and also from your neighborhood Maryville agents, and you should compare price quotes from both so you have a total pricing picture. Some companies may not provide the ability to get a quote online and these regional insurance providers work with independent agents.
Additional detailed information is available at the Tennessee Department of Commerce and Insurance website. Tennessee drivers can report car insurance fraud, read consumer alerts, and read enforcement actions against agents and companies.
