Finding the Perfect Insurance Agent in Knoxville, TN

To find a good Knoxville agent, you can always do an initial search using online quotes to save yourself time. Most likely that not only do you want a competent insurance agent, but also affordable coverage.

With companies like Allstate, Farmers and State Farm as well as independent agents all competing for your business, it’s hard to tell which one will provide the cheapest rates and the best coverage. Thankfully, consumers can get online price quotes to get a list of agents and price estimates.

Local Knoxville auto insurance agents

Educated insurance agents can point out coverage gaps and help you file claims. One of the best bonuses of price shopping on the web is you may find the lowest rates but also keep your business local. And providing support for local insurance agencies is especially important in Knoxville.

After completing this simple form, your coverage information is immediately sent to local insurance agents who will return price quotes for your insurance coverage. You won’t need 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!

Different types of car insurance agents in Knoxville

If you’re trying to find a good insurance agency, there are two different types of agents that you can select. Knoxville agents can either be independent or captive. Either one can write coverage properly, but it’s worth mentioning how they differ because it can influence the selection process.

Independent Agents (or Brokers)

Independent insurance agents are not locked into one company but rather can write business with multiple insurance companies and possibly get better coverage at lower prices. If you are not satisfied with one company, they simply move the coverage in-house and you won’t have to switch agencies.

When searching for an agent, it’s a good idea to include price quotes from at least one independent agent to have the most options to choose from.Many can place coverage with smaller companies which can save you money.

Listed below are independent insurance agencies in Knoxville who may be able to give you competitive price quotes.

Inter-Agency Insurance Svc – 6209 Baum Dr – Knoxville, TN 37919 – (865) 637-4519
Able Insurance – 11020 Kingston Pike # 100 – Knoxville, TN 37934 – (865) 966-4843
Direct General Ins Agency – 1423 E Magnolia Ave – Knoxville, TN 37917 – (865) 637-4945
Farm Bureau Insurance – 9309 S Northshore Dr – Knoxville, TN 37922 – (865) 769-7602
Westbrook Agency – 3304 Mynatt Ave – Knoxville, TN 37919 – (865) 523-6000

Agency Captives

This type of agents can only write with one company such as Farmers Insurance, American Family, State Farm and Allstate. Captives cannot compare other company’s rates so they have no alternatives for high prices. Captive agencies are well schooled in insurance sales and that can be a competitive advantage. Some people will only choose to use a captive agent mainly due to the brand legacy and solid financial strength.

Shown below are Knoxville captive agents that can give you price quotes.

State Farm Insurance – 8044 Ray Mears Blvd # 109 – Knoxville, TN 37919 – (865) 690-0802
Farmers Insurance Group – 8078 Kingston Pike # 117 – Knoxville, TN 37919 – (865) 691-3633
Liberty Mutual Insurance – 4435 Valley View Dr – Knoxville, TN 37917 – (865) 523-0182
Shelter Insurance – 106 Sherway Rd – Knoxville, TN 37922 – (865) 691-4111
Farm Bureau Insurance – 11422 Kingston Pike # A – Knoxville, TN 37934 – (865) 671-4100
Allstate Insurance – 10551 Kingston Pike – Knoxville, TN 37922 – (865) 690-5714

To view a full list of auto insurance agents in Knoxville, simply jump to this page.

Deciding on a car insurance agent should depend on more than just the premium amount. These questions are important to ask:

Are claim adjusters local or do you have to take your car somewhere else?
How are claims handled?
If your car is in the repair shop, do you have coverage for a rental car?
Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
How long has their agency been open in Knoxville?
Does the company allow you to choose your own collision repair facility?

Once you have reasonable responses and a low price estimate, it’s possible that you found a car insurance agent that is a good match to insure your vehicles.

Can you find lower rates by buying online?

Insurance agents are indespensible for some people, but you can also buy Tennessee car insurance directly from online companies. Even companies who sell through agents in Knoxville additionally provide the ability to buy direct on their websites, and consumers should do that to possibly find a better rate.

If you’re uneasy about not receiving proper advice when buying online, don’t let it bother you. Car insurance companies provide customer service to answer any questions you may have.

Is car insurance cheaper online? Whether or not you’ll save is impossible to say because of the fact that insurance companies use many factors that can increase policy rates. It’s logical to say that a consumer who buys direct reduces premiums because there is no agent. But the fact is, advertising and marketing take a lot of money so rates may not be all that different from traditional agents.

Additional auto insurance links

Much more information about auto insurance in Tennessee is available on the Tennessee Department of Commerce and Insurance website found here. Tennessee consumers can view agent and company licensing information, file complaints about a company, discover disciplinary actions, and learn about specific coverages.

Buy online or local, you save

Cheaper auto insurance is available on the web and with local Knoxville insurance agents, and you should compare price quotes from both in order to have the best price selection to choose from. Some insurance companies do not offer the ability to get a quote online and many times these small insurance companies only sell through independent insurance agents.

When shopping online for auto insurance, don’t be tempted to buy less coverage just to save a little money. There are too many instances where an insured cut collision coverage and found out when filing a claim that it was a big error on their part. The aim is to buy the best coverage you can find at a price you can afford while still protecting your assets.