4 Reasons for Using a Broker/Agent vs Going Directly to an Insurance Carrier in Tennessee
Tennessee has a vibrant insurance market, offering many options for coverage. When looking for the right policy, you have the option to go directly to an insurance carrier or to use a broker/agent. While going directly may seem more convenient and cost-effective, there are several advantages to using a broker/agent instead. Here are four reasons why Chattanooga residents should consider working with a broker/agent when purchasing their insurance coverage:
Brokers/Agents Provide Expert Guidance - Insurance can be complicated and hard to understand. A Chattanooga broker/agent will help you navigate your options and explain them in terms that make sense to you so that you can make the best decision for your needs.
Brokers/Agents Have Access to Multiple Carriers - Tennessee brokers/agents are knowledgeable about the various policies available in the state and can compare them side-by-side to identify the best coverage at the lowest cost. This can be a huge time-saver, as you don't have to research each individual company's offerings on your own.
Brokers/Agents Take Care of All Paperwork - Another big advantage of working with an agent is that most will take care of all paperwork associated with obtaining your policy - from filling out applications to reviewing documentation and making sure everything is processed correctly and in a timely manner.
Brokers/Agents Can Help You Resolve Claims - Chattanooga brokers/agents can also be a great help if you ever need to file a claim. They will work with the insurance company on your behalf and make sure you are receiving the best possible service.
Using an experienced Chattanooga broker/agent can help ensure that you find the right coverage for your needs at an affordable price. With their knowledge, expertise, and connections, they can save you both time and money while giving you peace of mind that your policy is covering all of your bases.
480 Greenway View Dr Ste 104, Chattanooga, TN 37411, USA
Lawhorn and Associates Insurance
5611 Ringgold Rd Ste 150, Chattanooga, TN 37412, USA
4 Reasons Insurance Companies Declare Vehicles Totaled in Tennessee
Tennessee is home to some of the most beautiful roads in the United States, so it's no surprise that accidents are bound to happen. Unfortunately, if an accident is serious enough, insurance companies may declare your vehicle a ‘total loss' and pay you for whatever its current market value is. If this has happened to you and you live in Tennessee, here are 4 reasons why your vehicle may have been totaled:
The Cost of Repairs Exceeds Your Vehicle's Value - In Tennessee and other states, insurers typically determine whether a car should be considered a total loss by comparing the cost of repairs with its pre-accident value. If the cost of repairs exceeds the vehicles value then it will be deemed a total loss.
Extensive Damage to the Frame - Tennessee's roads can be rough, and if you have been involved in an accident that has caused extensive damage to the frame of your vehicle, insurers may determine that it is a total write-off. This is because structural damage can affect the safety of the car and make it unsafe for driving.
It Is Unsafe or Not Feasible to Repair - There are times when repairs cannot be done due to safety reasons or logistical issues such as lack of parts availability or inadequate repair facilities. In these circumstances, Tennessee insurance companies will declare your vehicle a total loss and pay out accordingly.
Your Vehicle Is Stolen and Not Recovered - If your vehicle is stolen and not recovered in Tennessee, the insurance company will likely declare it a total loss and pay you its current market value. This helps to offset some of the costs associated with replacing the vehicle.
4 Things to Know Before Going to an Auto Body Shop in Tennessee
Chattanooga TN is a great place to get your car serviced, from auto body shops to tire and oil changes. But before you take your car in for repairs, there are some key things you should know about Tennessee auto body shops.
Tennessee requires auto body shops to be licensed by the Tennessee Department of Commerce & Insurance (TDCI). Make sure any shop you visit is legally authorized to provide services in Chattanooga. You can look up the license status of an auto body shop online through the TDCI website.
Tennessee has specific laws concerning customer rights when dealing with an auto body shop, including the right to receive an itemized repair bill and written warranty information before starting work on your vehicle. Be sure to ask for this information before beginning any repair work.
Tennessee auto body shops are required to have certain insurance coverage, including property damage and general liability insurance. Ask the shop for proof of their coverage and make sure you're covered if an accident does occur while your vehicle is being serviced.
Tennessee has strong consumer protection laws in place that protect car owners from fraud or other illegal activities at Chattanooga auto body shops. If you feel like a shop is taking advantage of you, contact the Tennessee Department of Commerce & Insurance for help and advice.
4 Steps of Insurance Claims Process After an Accident in Tennessee
Step 1: Contact Your Tennessee Insurance Company. After an accident, it is important to contact your Tennessee insurance company as soon as possible to report the incident and start the claims process. During this call, you will need to provide information about the collision, including where and when it occurred, details of any property damage or injuries, and any other relevant details.
Step 2: Document Everything. Once you've reported your Tennessee auto accident claim to the insurer, it is important to keep accurate records throughout the entire process. Make sure that you have copies of all correspondence between yourself and the Tennessee insurance company, as well as any accident-related bills or expenses that may arise during the claims process.
Step 3: Tennessee Auto Insurance Adjuster. After you have reported your Tennessee accident claim, an insurance adjuster will be assigned to handle the case and review any associated documents and evidence. This may include photographs of the incident, witness statements, medical reports, or police reports. The Tennessee auto insurance adjuster will use this information to determine fault for the accident and how much compensation is owed to you for any property damage or bodily injury that occurred in the crash.
Step 4: Settlement Review & Payment. Upon completion of the Tennessee auto insurance adjusters' report, a settlement offer will be made by your Tennessee insurer based on their findings from the investigation. You can then review the terms of this settlement offer and either accept it or negotiate further if you feel the amount is too low. If you are satisfied with the offer, your Tennessee insurance company will issue payment for any claim-related expenses or damages.
Top Ten SUVs by Maintenance Cost in Tennessee
Taking care of your car by scheduling regular maintenance services and adhering to the manufacturer's service schedule can help keep it running smoothly and prevent costly repairs down the road. To help Chattanooga drivers make informed decisions when choosing their next SUV, we've compiled a list of the top ten SUVs with the lowest maintenance costs in Tennessee. From fuel-efficiency and affordability to dependability, Tennessee drivers are sure to find an option that meets their needs on this list.
Honda CR-V - This compact crossover SUV offers solid fuel efficiency and reliable performance at an affordable price tag. With regular scheduled maintenance services costing around $300 annually, Tennessee drivers can enjoy a worry-free ride in their Honda CR-V.
Subaru Forester - This affordable, mid-size SUV is known for its dependability and off-road capability. Tennessee drivers won't have to break the bank to keep up with maintenance services on this one either; regular scheduled maintenance will cost around $400 annually.
Toyota RAV4 - The Toyota RAV4 is a great option for Tennessee drivers who need more interior space than what the compact crossover class offers but still want an affordable price tag. With regular scheduled maintenance costing around $500 annually, Chattanooga drivers can enjoy reliable performance from their RAV4 without breaking the bank.
Chevrolet Equinox - Tennessee drivers looking for a reliable SUV at an affordable price tag can't go wrong with the Chevrolet Equinox. Its ample cargo space and comfortable interior make it a great choice for Tennessee families, while regular scheduled maintenance will only set them back around $600 annually.
Ford Escape - This compact crossover offers Tennessee drivers plenty of features and amenities to enjoy on their ride, plus solid fuel efficiency and dependability. Regular scheduled maintenance services cost around $650 annually, making this SUV one of the top contenders in Tennessee.
Nissan Rogue - Tennessee drivers can rest easy knowing that their Nissan Rogue will be taken care of with regular scheduled maintenance services costing around $700 annually. With a comfortable interior and great fuel efficiency, Chattanooga drivers are sure to enjoy their time behind the wheel of this popular SUV.
Mazda CX-5 - Tennessee drivers looking for an affordable yet dependable compact crossover should look no further than the Mazda CX-5. With regular scheduled maintenance costing only around $750 annually, Tennessee drivers can enjoy a worry-free ride in this reliable SUV without breaking the bank.
Jeep Grand Cherokee - Tennessee drivers looking for luxury features and amenities in their next SUV won't have to break the bank when choosing the Jeep Grand Cherokee. With regular scheduled maintenance services costing Tennessee drivers around $800 annually, they can enjoy a comfortable ride in their Grand Cherokee without worrying about the cost.
Toyota Highlander - Tennessee drivers looking for a dependable crossover with plenty of cargo space and interior amenities should consider the Toyota Highlander. Regular scheduled maintenance services cost Tennessee drivers around $900 annually, making this SUV a great option for Tennessee families who are on a budget.
Honda Pilot - Tennessee drivers searching for an affordable yet reliable mid-size SUV won't have to look any further than the Honda Pilot. With regular scheduled maintenance costing Tennessee drivers only around $1,000 annually, they can enjoy all that this popular SUV has to offer without breaking the bank.
Top Ten 2 Door Coupe by Gas Savings in Tennessee
Tennessee drivers have many great options when it comes to finding the best two-door coupe for optimal gas savings. Depending on your budget and lifestyle, Chattanooga drivers can find a great 2 door coupe that will fit their needs. Here are the top ten 2 door coupes with the most fuel efficiency in Tennessee:
Honda Civic Coupe - The Honda Civic Coupe has always been one of Tennessee's top choices when it comes to fuel economy, offering an impressive 40 mpg highway and 32 mpg city rating on its LX trim level.
Toyota Corolla Coupe - Another reliable choice, Tennessee drivers can enjoy up to 41 mpg highway and 29 mpg city on this iconic car.
Kia Optima Coupe - Tennessee drivers will love the sporty look and feel of the Kia Optima Coupe, as well as its impressive 38 mpg highway and 28 mpg city rating.
Ford Focus SE - Tennessee drivers looking for a bit more power can still enjoy great gas savings with this vehicle, which features up to 36 mpg highway and 26 mpg city ratings.
Hyundai Elantra GT - This car offers Tennessee drivers excellent gas mileage, with up to 37 mpg highway and 27 mpg city rankings.
Volkswagen Golf 2-Door- With a fuel economy of 35 mpg on the highway and 26 in the city, Tennessee drivers can trust this car to get them where they need to go for less.
Chevrolet Cruze - Tennessee drivers will love the low price tag on this car and its impressive 38 mpg highway and 29 mpg city ratings.
Mazda3i Touring - This reliable Japanese vehicle offers Tennessee drivers up to 37 mpg highway and 28 mpg city rankings.
Nissan Sentra 2-Door- Tennessee drivers looking for a performance edge while still saving money at the pump can find it with the Nissan Sentra 2-Door's 34 mpg highway and 28 mpg city rating.
Volkswagen Jetta - This sporty coupe offers Tennessee drivers 38 mpg highway and 25 mpg city rankings.
Top Ten Electric Trucks in Tennessee
Tennessee is one of the most truck-friendly states in the United States. With a variety of terrain and climate, Chattanooga has something for everyone looking to drive an electric truck. Here's our top ten list of electric trucks available in Tennessee.
Tesla Cybertruck: The sleek and futuristic design of the Tesla Cybertruck fits Tennessee's rugged style perfectly - plus its zero emissions make it a great option for environmentally conscious drivers.
Nissan Leaf Truck: This electric pickup truck offers plenty of power with up to 150 miles on a single charge and can reach speeds up to 90 mph - perfect for Tennessee roads! Its low cost makes it even more attractive.
Rivian R1T: Tennessee drivers will love the Rivian R1T for its impressive range of up to 400 miles and four-wheel drive performance. It also comes with a variety of features, such as air suspension and advanced lighting systems.
Workhorse W-15 Pickup Truck: This all-electric pickup truck has an impressive range of up to 80 miles, making it perfect for commuting around Tennessee. Its state-of-the-art safety features and quiet powertrain make it ideal for Tennessee roads.
Bollinger B2: With a rugged exterior that can tackle any Tennessee terrain, this electric truck is sure to turn heads no matter where you go in Tennessee. It has an impressive range of 200 miles on a single charge and can reach speeds up to 75 mph.
Lordstown Motors Endurance: Tennessee drivers will love the Lordstown Motors Endurance for its powerful performance and spacious interior - perfect for hauling cargo in Tennessee. Plus, it has a range of up to 250 miles on a single charge.
GMC Hummer EV: Tennessee truck lovers won't be able to resist the GMC Hummer EV's impressive power and striking exterior design. With an impressive range of 350 miles on a single charge, this electric pickup is sure to impress Tennessee drivers.
Rivian R1S SUV: The Rivian R1S is the perfect electric SUV for Tennessee roads, offering four-wheel drive performance and a range of up to 400 miles on a single charge. It also comes with an array of features, such as air suspension and advanced lighting systems.
Ford F-150 Electric: Tennessee truck lovers will love the Ford F-150 electric for its powerful performance, impressive range of up to 300 miles on a single charge and low cost. Plus, it includes all the features Tennessee drivers need in an electric truck.
Rivian R1T Adventure Truck: This electric adventure truck is perfect for Tennessee's rugged terrain - offering four-wheel drive performance and a range of up to 400 miles on a single charge, plus plenty of room for camping gear or other cargo. Its off-road capabilities make it the perfect Tennessee vehicle.
4 Benefits of Adding a College Student to Your Auto Insurance Policy
One of the best ways to save money on Chattanooga auto insurance is to add a college student to your policy. College students have very different driving habits than most adults, and they often pay far lower premiums because they tend to drive fewer miles and are seen as less risky drivers. Here are four great benefits of adding a college student to your Tennessee auto insurance policy:
Lower Rates - Adding a college student to an existing Tennessee auto insurance policy can result in significantly lower rates due to the student's low-risk profile. This could potentially help you save hundreds of dollars each year on premiums.
Accident Forgiveness - Many Chattanooga auto insurance policies offer accident forgiveness for young drivers which can protect you from any rate increases resulting from an accident.
Better Coverage - With a college student on your Chattanooga auto insurance policy, you can typically get better coverage since the student is seen as a lower risk driver. This means that you will be able to get more comprehensive coverage at lower rates than if you didn't have the student on your policy.
Increased Flexibility - Adding a college student to your Tennessee auto insurance policy can give you more flexibility when it comes to making changes or adjusting the policy in the future. For instance, if the student moves out of state and no longer needs to be insured through Tennessee, it's easier to make that change without having to adjust other aspects of your policy.
Cost of Car Insurance in Different Age Groups in Tennessee
In Chattanooga, car insurance rates for drivers of different ages vary greatly. To understand how the cost of car insurance in Tennessee changes with age, we have broken down average prices for six common age groups.
For Tennessee drivers aged 17 to 21, the average cost of car insurance is $3,902 per year. This rate rises significantly for those aged 22 to 24, reaching an average of $5,066 annually.
From 25 to 34 years old, Tennessee drivers are paying an average of $2,693 per year.
For those aged 35 to 44 years old the average is at $2,465 while 45 to 54-year-olds can expect an average yearly rate of just over $2,400.
Tennessee drivers over the age of 55 pay an average of $2,262 per year for car insurance.
Lastly, Tennessee seniors aged 65 to 74 can expect to pay an average of $2,324 each year for their car insurance.
These rates may vary depending on individual factors including driving records and credit history. Tennessee drivers should always shop around to make sure they are getting the best price possible for their car insurance needs.
5 Driving Violations That Require High Risk Insurance in Tennessee
Tennessee drivers should be aware of the various driving violations that may result in a requirement for high-risk insurance. In Tennessee, these include:
driving under the influence (DUI),
leaving the scene of an accident and
multiple moving violations within 12 months.
Every driver is responsible for understanding Tennessee's laws and regulations when it comes to driving on public roads or highways. Those who do not comply will face hefty fines or potentially jail time if convicted. Additionally, Tennessee drivers may be required to purchase high risk auto insurance if they are convicted of any of these five serious offenses. High risk auto insurance is typically more expensive than typical car insurance plans and can remain in effect for several years. Chattanooga drivers should be aware of the consequences of these five violations and take steps to ensure their safety on Tennessee's roads.
Top 8 Car Insurance Companies by Least to Most Expensive in Tennessee
Chattanooga drivers need to make sure they are getting the best car insurance rate possible. Comparing the top 8 car insurance companies in Tennessee can help you find the right coverage at a price that fits your budget. To get started, we have compiled a list of the least to most expensive car insurance companies in Tennessee based on average annual premiums.
State Farm: Offering TN drivers competitive rates and quality coverage, State Farm tops our list with an average annual premium of $750.
Nationwide: Nationwide offers Tennessee drivers coverage for less than $800 per year on average.
Allstate: With an average annual premium of over $850, Allstate provides Tennessee drivers with reliable auto coverage options.
Farmers: Tennessee drivers can expect to pay an average of $900 per year for car insurance from Farmers.
Progressive: Tennessee drivers seeking a reliable insurer at a slightly higher cost should consider Progressive, who offers coverage on average for $1,100 per year.
GEICO: With an average annual premium of over $1,200, GEICO is another solid option for Tennessee drivers looking for auto coverage.
USAA: Tennessee drivers can take advantage of USAA's competitive rates with an average annual premium of around $1,400.
Liberty Mutual: At the top end of our list is Liberty Mutual with an average annual premium of almost $1,600.
Tennessee drivers can use this list to compare the options and find the right car insurance provider for their needs. With a little research and shopping around, you can save money on your Chattanooga auto coverage.
3 Different Auto Insurance Discounts in Tennessee
Chattanooga drivers have several auto insurance discounts available to them in the state. Tennessee law requires drivers to carry liability coverage at a minimum, but many insurers offer additional discounts and savings to help reduce the overall cost of car insurance. Here are three of the most common discounts offered by Tennessee auto insurers:
Multi-Car Discount - If you insure more than one vehicle on your policy, Chattanooga insurers may give you a multi-car discount. This can be especially beneficial for families with multiple vehicles or households that include teens and other new drivers who need their own personal policies to get insured.
Good Driver Discount - Tennessee motorists who maintain a clean driving record over a certain period of time may qualify for a good driver discount from their insurer. Usually, Chattanooga auto insurers look back up to three years for any major violations or accident claims.
Safe Driver Discount - Tennessee drivers who have taken a defensive driving course or driver safety class may be eligible for a safe driver discount. This can be especially helpful for those who are older than 55 and need to brush up on their skills. Tennessee auto insurers will usually provide a discount of up to 10-15% if you've taken such a course in the last year.
By taking advantage of these discounts, Chattanooga drivers can save money on their car insurance premiums each month. It's important to speak with your insurer about which discounts you qualify for, as not all insurers offer the same discounts in Tennessee.
3 Auto Theft Statistics in Tennessee
Tennessee is no stranger to auto theft - in fact, it has some of the highest rates of vehicle theft in the United States. According to a report from the Tennessee Highway Patrol Division of Criminal Justice Services, Tennessee's auto theft rate was at 1,216 per 100,000 residents as of 2018. This puts Tennessee as having one of the top five highest auto theft rates in the country. Additionally, when compared to other states that are similar in size and population density, Tennessee still ranks among the worst for auto theft. In 2019, Tennessee ranked fourth nationally with a total of 23,152 reported incidents of motor vehicle theft. Most notably, Nashville-Davidson had an alarming auto theft rate of 2,567 incidents per 100K people - making it the highest rate in Tennessee.
As Tennessee works to reduce and prevent auto theft, Chattanooga residents should take actionable steps to protect their vehicles from theft. Installing an anti-theft device could be a valuable deterrent for criminals when considering which car to target. Additionally, never leaving your vehicle unattended or leaving keys in the ignition can help mitigate risk of vehicle theft. Taking these proactive measures can help keep Tennessee drivers safe from auto theft.
9 Interesting Driving Statistics in Tennessee
Tennessee has a wide variety of roads, ranging from city streets to rural highways. With the vast range of roadways and traffic laws in the state, it's important for Tennessee drivers to understand the basics of driving. Here are 9 interesting Tennessee driving statistics that can help keep you safe and informed on the road:
Tennessee ranks 28th in overall highway safety.
Tennessee is one of three states that does not require front seat passengers to wear seatbelts in all circumstances.
Tennessee had over 20,000 crash fatalities between 2011-2015 with an average of 4,000 per year.
There were over 5 million licensed Tennessee drivers as of 2020 according to the Tennessee Department of Safety and Homeland Security.
Tennessee is one of 34 states that require drivers to yield to pedestrians in crosswalks.
Tennessee has a minimum liability insurance requirement of $25,000 for bodily injury per person and $50,000 total per accident, as well as $10,000 in property damage coverage.
Tennessee ranked 28th in the percentage of fatal car accidents involving alcohol in 2015 with 15%.
Tennessee had the 3rd highest number of motorcycle fatalities in the US between 2014-2018 according to the National Highway Traffic Safety Administration (NHTSA), with an average of 133 deaths per year during this period.
Tennessee requires all drivers to carry proof of insurance at all times while operating a motor vehicle. Tennessee also requires all drivers to report any accident involving injuries or property damage over $400 to the Tennessee Department of Safety.
What is the average car insurance rate in Chattanooga Tennessee?
The average rate for Chattanooga is $1,092. Look for discounts to make this even more affordable.
What is the minimum coverage required in Chattanooga TN?
In Chattanooga Tennessee, your policy must have at least $25,000 of coverage for injuries per person, up to a total of $50,000 per accident, and $15,000 of coverage for property damage.
How much is car insurance typically for 2 vehicles in Chattanooga TN?
Average cost for two vehicles in Chattanooga is $2,883. This can of course vary greatly with liability only, full coverage, or SR-22 insurance.
How can I get cheap car insurance in Chattanooga TN?
To get low cost car insurance in Chattanooga, TN, simply fill out the form above and compare quotes then pick the best one.