Auto Insurance
Secure Your Vehicle with Reliable Auto Insurance in Knoxville, TN
Knoxville’s bustling streets and scenic drives deserve reliable car insurance. Here at TIS, we understand the needs of drivers navigating the roads of Knoxville. Whether commuting to work, exploring the Great Smoky Mountains, or running errands around town, our auto insurance services are designed to provide peace of mind and financial protection.
Key Features of Auto Insurance Coverage
- Liability Coverage
- Collision Coverage
- Comprehensive Coverage
- Uninsured/Underinsured Motorist Coverage
- Roadside Assistance
Considerations When Choosing Auto Insurance
What type of coverage is necessary?
What’s your budget for premiums?
What level of coverage is required by law?
Do you need additional coverages or riders?
How does auto insurance fit into your long-term goals?
Premium Basis
Vehicle Type and Age
Driving History
Location
Coverage Limits and Deductibles
Driver Experience and Age
Claims History
Choosing the right auto insurance helps protect your vehicle and ensures financial peace of mind in case of an accident or loss.
Get Comprehensive Auto Insurance Coverage
Auto insurance is a type of insurance policy that safeguards you against financial losses in case of accidents, theft, or damage to your vehicle. It covers a range of situations, including collisions, vandalism, natural disasters, and more, ensuring that you’re financially covered when the unexpected happens on the road.
Auto Insurance Coverage Options
Collision Coverage
Covers damage to the policyholder’s vehicle resulting from a collision with another vehicle or object, regardless of fault. This includes repair costs or the actual cash value (ACV) of the vehicle if it’s totaled.
This is crucial if your car holds significant value or you rely on it heavily. In Knoxville, collision coverage depends on your car’s make, model, year, and driving record.
Comprehensive Coverage
This protects your car from events other than collisions, such as theft, vandalism, fire, weather damage (hail, falling objects, etc.), and animal collisions.
Consider your car’s age, value, and your environment (parking situation, weather patterns) when deciding on comprehensive coverage.
Liability Coverage
Bodily Injury Liability: Covers injuries to other vehicle(s) and pedestrians caused by the policyholder while driving. This includes medical expenses, lost wages, pain and suffering, and legal expenses.
Limits are typically shown as a split, like $25,000 per person and $50,000 per accident. These numbers represent the maximum amount the insurance company will pay per injured person and the total payout for all injuries in the accident, respectively.
Property Damage Liability: Covers damage caused by the policyholder to another person’s property, such as vehicles, buildings, or other structures.
Uninsured/Underinsured Motorist Coverage (UM/UIM)
In Tennessee, around 1 in 8 drivers are uninsured, according to a recent study by the Insurance Research Council.
This type of car insurance protects you if you’re hit by a driver with no insurance (uninsured) or not enough insurance (underinsured) to cover your damages. This can be a lifesaver, especially in areas with high rates of uninsured drivers.
- Uninsured Motorist (UM) Coverage: Protects the policyholder if they are injured in an accident caused by a driver who does not have insurance.
- Underinsured Motorist (UIM) Coverage: Provides coverage if the at-fault driver’s insurance limits are insufficient to cover the policyholder’s damages.
Gap Insurance
This coverage bridges the gap between what your car is worth (according to its actual cash value) and the amount you still owe on your loan or lease if your car is totaled. This can be crucial if your car is relatively new and hasn’t depreciated significantly.
Gap insurance costs vary depending on the value of your car and the loan terms. However, it’s generally less expensive than the financial burden of owing money on a totaled car.
Rental Reimbursement
Imagine your car needing repairs after an accident or covered event.
Rental reimbursement coverage helps ease the burden by reimbursing you for the cost of a rental car while your vehicle is in the shop. This can be a lifesaver, especially if you rely on your car for daily commutes or errands.
Rental reimbursement coverage costs vary depending on the daily and total payout limits chosen.
Roadside Assistance
Provides help in case of a flat tire, dead battery, or lockout. It can include towing, jump starts, and even locksmith services. This can be a valuable addition, especially if you frequently drive long distances or in remote areas.
Custom Parts and Equipment Coverage
If your car boasts custom wheels, a high-end sound system, or other aftermarket additions, standard comprehensive coverage might not be enough.
Custom parts and equipment coverage ensures these modifications are insured for their value in case of theft or damage.
The cost depends on the value of your customizations. Talk to your insurance agent to determine the best approach for covering your specific add-ons.
Auto Insurance Add-ons
Car Insurance in Knoxville: Get it Right
Local Expertise
Our team of Knoxville-based agents lives and breathes the local driving scene. We understand the unique challenges Knoxville drivers face, from navigating busy highways to dealing with unpredictable weather. This knowledge allows us to tailor your car insurance policy with the most relevant coverages to protect you on familiar roads.
Personalized Service
You’re not just a policy number at TIS. We take the time to understand your individual needs, driving habits, and budget. We’ll work closely with you to craft a personalized car insurance plan that offers optimal protection without breaking the bank.
Fast & Efficient Claims Service
Accidents happen, and when they do, you need a reliable insurance company by your side. At TIS, we prioritize fast and efficient claims service. Our dedicated team will be there to guide you through the claims process, ensuring a smooth and stress-free experience when you need it most.
Competitive Rates on the Best Insurance Solutions
We partner with a network of top-rated insurance carriers to ensure you get the best possible coverage at an affordable price. We’ll shop around for you, securing multiple quotes that fit your budget. You won’t have to spend hours comparing rates – we’ll do the legwork for you.
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Auto Insurance:
Frequently Asked Questions (FAQs)
What is the minimum car insurance required in Tennessee?
Tennessee requires all drivers to carry liability insurance. This covers bodily injury and property damage to others if you are at fault in an accident.
How much car insurance do I need?
There’s no one-size-fits-all answer. It depends on factors like the value of your car, your driving habits, your budget, and your risk tolerance.
What type of coverage do I need for my vehicle?
Choosing the right coverage depends on several factors, including your vehicle type, usage, and personal preferences. Common coverage options include liability, collision, comprehensive, uninsured/underinsured motorist, and personal injury protection. Our agents can help tailor a policy that meets your specific needs.
Do I need car insurance if I don't drive my car often?
It’s generally recommended to maintain auto insurance even if you don’t drive your car frequently. Liability insurance protects you financially in case of an accident, even if it’s not your fault.
What happens if I cancel my car insurance?
Your driver’s license could be suspended, and you could face fines. Additionally, you’ll be driving illegally and financially responsible for any damages you cause in an accident.
What if I have multiple vehicles?
We offer flexible policies that can cover all your vehicles under a single plan, potentially reducing costs and simplifying your insurance management. Contact us to discuss the best options for your vehicle fleet.
Can I add additional drivers to my policy?
Yes, you can typically add other licensed drivers to your policy, such as family members or employees. It’s important to disclose all regular drivers to ensure they’re covered in case of an accident.
How can I reduce my insurance costs?
There are several ways to lower your car insurance premiums:
- Implementing safety features in your vehicle.
- Maintaining a clean driving record with minimal claims.
- Choosing higher deductibles.
- Bundling policies for multiple vehicles or with other types of insurance.
What happens if my vehicle is totaled?
If your vehicle is deemed a total loss due to a covered incident, your insurance company will typically pay you the actual cash value (ACV) of the vehicle minus any deductible. You may consider adding gap insurance to your policy to cover the difference between your vehicle’s ACV and any outstanding loan or lease amount.
How do I file a claim?
In the event of an accident or damage, contact our claims department immediately. Our team is available 24/7 to guide you through the claims process, ensuring you receive prompt assistance and your claim is handled efficiently.
Meet our Sales Team
Personal Insurance
kshires@TISIns.com
ssitton@TISIns.com
