Are There Restrictions on How I Operate My Classic Car?

Posted on February 21, 2023March 1, 2023 by admin

Classic cars are not the same classification as vintage and antique, as there are different stipulations regarding how each one is labeled. To be a classic car, generally, a vehicle must be 25 years old but not older than 40 and have an engine and body that are without modifications. You will also have to operate by the limitations imposed by law in Maryville, TN with regard to how often you may drive your car.

Classic Car Restrictions

A classic car can be used for pleasure, and this is defined differently than everyday use, for example, getting groceries or driving to a job. This would mean you could go out for a Sunday drive on occasion or for other leisurely and sparse outings.

You would be allowed to travel to and from exhibitions, as classic car owners often enjoy displaying their vehicles at car shows and cruise-in circuits. If you are a participant in a vintage car club and wish to drive to these meetings, that is usually also permitted.

It is a requirement that you store your vehicle in a manner keeping with its classic status, such as in an area that is fully enclosed and that has a door with a lock of some kind. Your Carr Insurance Group agent can go into more detail about this with you.

New cars can also qualify for classic status if they are particularly exotic or are a replica of an older model automobile. Specialty vehicles, such as those used for the military, fire engines, and hearses may also be labeled as classic and insured as such.

Carr Insurance Group Can Help

We offer insurance for classic cars for those living in Maryville, TN and look forward to working with you. Please reach out to us today for more information on our insurance products and services.

Planning For a Long Road Trip in Your Motorhome

Posted on January 20, 2023January 30, 2023 by admin

Few things beat the open road. Purchasing a motorhome or towed RV provides folks with mobility and freedom. Travelers can see the many natural wonders scattered across the United States and beyond. Or they can enjoy days spent on warm beaches or deep within forests.

Whatever the choice, with a motorhome, folks can explore from the comfort of their own (mobile) home. That said, it’s important to make sure that you’re properly prepped before setting out. Motorhome drivers can contact the Carr Insurance Group, serving Maryville, TN and elsewhere to discuss coverage options.

Get All the Emergency Gear in Order

Most trips will go off without a hitch. However, there’s a risk that a motorhome will suffer a breakdown. Likewise, campers could get caught up in bad weather or may suffer another type of emergency. This makes preparing for emergencies crucial.

Travelers should have spare tires and the tools on hand to install them. It’s also smart to pack aerosol patch solutions like Fix-a-Flat. Road reflectors, flashlights, a first aid kit, and bottled water are also musts. Anyone traveling through cold places should also keep a number of blankets on hand.

Folks may also want to subscribe to a roadside assistance program. This way, if something happens, they can call for professional help.

Make Sure The Motorhome is Properly Insured

The right insurance program will protect the motorhome, the owners, and also other people on the road. Without insurance, owners could find themselves on the hook for many expensive bills. They may also face legal troubles if they fail to get mandated insurance.

Motorhome insurance may cover the cost of damages resulting from an accident as well as medical bills for anyone injured. In some cases, insurance may cover theft and weather damage. However, this coverage will vary depending on the plan and folks may need to purchase supplemental insurance to expand coverage.

Contact Us Today

Need insurance coverage for your motorhome or another vehicle? Get in touch with the Carr Insurance Group, which serves Maryville, TN and other areas.

Discover the Benefits of an Umbrella Policy to Protect Your Household From Lawsuits

Posted on December 16, 2022December 13, 2022 by admin

Umbrella policies are designed to help protect you and your family from unexpected costs associated with lawsuits, medical bills, property damage, and more. Suppose you’re looking for additional protection and peace of mind. In that case, an umbrella policy from Carr Insurance Group in Maryville, TN could be the right choice.

How An Umbrella Insurance Policy Works

An umbrella insurance policy provides additional coverage beyond typical auto and homeowners insurance. It covers claims exceeding those policies’ limits, such as personal psychological harm and mental anguish, which are not typically covered. This type of insurance benefits those with significant assets they want to protect from costly liability claims.

Does an Umbrella Policy Protect Against a Lawsuit?

An umbrella insurance policy pays out if you’re found at fault for injuries or damage and your other policies are insufficient to cover the costs. It also covers related legal fees and expenses associated with defending yourself in the lawsuit and any potential damages the court may award to the plaintiff. Additionally, umbrella insurance protects you from libel, slander, and defamation of character.

Who is Covered By My Umbrella Policy?

An umbrella policy helps protect the policy owner and members of their household in the event they are found liable for a covered incident. Generally, this includes the policy owner’s spouse, dependents, and other relatives living with them. Minor children who are under guardianship can also be included in the policy.

Contact Us Today

The Carr Insurance Group, serving the greater Maryville, TN community, is an excellent choice for umbrella insurance. We offer comprehensive coverage and are committed to providing excellent customer service to our clients. Contact us today to learn more about our umbrella insurance.

How to Get the Most Out of Your Home Insurance Policy

Posted on November 28, 2022December 1, 2022 by admin

Home insurance is a wise investment, but you need appropriate coverage to protect your home and other facets of homeownership. But since home insurance is a challenging subject, Carr Insurance Group, serving the greater Maryville, TN community, highlights tips about getting the most out of your home insurance.

How to Get the Most Out of Your Home Insurance Policy

Update your home insurance policy

Update your home insurance at least once per year. This ensures all your insurance needs are well cared for. It also ensures you are paying the right amount of premiums. Sometimes, you don’t have to wait for a year to lapse to review your home insurance. If you make significant renovations, welcome a dangerous pet, or add personal assets, inform your insurance agent right away.

Understand what your home insurance covers

Understanding what your home insurance covers is essential in your claim filing process. It also helps you understand the gaps in your policy to purchase add-ons to boost your coverage. The best way to understand your coverage is to read your policy document.

Partnering with the right insurance agent

Your insurance agent is like your financial advisor; hence you can’t afford to get it wrong. Always choose a trusted and knowledgeable insurance agent. Your insurance agent analyzes your current insurance needs and recommends a policy that is best suited for your needs.

Keeping an inventory list

Most homeowners tend to rely on their memory when it comes to assets in their possession. Your memory will likely fail you, especially when you encounter widespread catastrophes like flooding or fire. Always keep an updated inventory list. This will simplify your claim process.

Contact Us Today

Want to learn more about home insurance in Maryville, TN? Please get in touch with Carr Insurance Group. We will tell you everything you need to know about home insurance and help you to get coverage that best suits your current needs.

Classic Car vs. Regular Auto Insurance

Posted on October 28, 2022October 28, 2022 by admin

When you contact Carr Insurance Group about insuring an automobile in Maryville, TN, your insurance agent will ask you a few questions about the vehicle including make, model, and year of issue. We ask the latter to determine if your vehicle might qualify for classic car insurance.

Classic Car Insurance Defined

A classic car insurance policy differs from regular auto insurance in many ways, including cost. A classic car policy often costs less than a regular policy, but your vehicle must qualify for the savings.

Vehicles manufactured 25 years or more ago may qualify for classic auto insurance. These older cars and trucks typically increase in or maintain their value, such as a Chevy Corvette or a Ford Mustang. Some vehicles less than 25 years old can qualify for this type of insurance because they’re so rare. A Lamborghini Aventador could qualify due to its rarity.

When you obtain classic car insurance, your policy limits you to just 1,000 miles of driving per year. You can drive the vehicle in parades and show it at car shows, too.

For using it less, you obtain the cost to completely replace the vehicle in case it gets stolen or totaled. The policy also pays for OEM parts from the same year or era.

If you don’t plan to drive your classic car on a daily basis, this classic car policy can save you money now and help you fully replace your vehicle if something happens to it.

Give Us A Call

Contact Carr Insurance Group serving Maryville, TN for more information or to get started with classic car insurance Let us help you protect your investment.

How can you benefit from having a motorhome insurance plan?

Posted on September 27, 2022September 27, 2022 by admin

Those that live in the Maryville, TN area can find that owning a motorhome is a good idea. When you are a motorhome owner, you will have a fun way to tour the state and enjoy all that it has to offer. As you are looking to buy a motorhome, you also need to choose the right insurance plan for it.

You can benefit in various ways if you do have a motorhome plan:

Have Coverage for Your Motorhome

A way that you can benefit from having a motorhome insurance plan is that you will get coverage for your motorhome. If you are going to invest in a motorhome, it will be a big purchase and you will want to know that you are covered as well as possible. A great way to do this is by getting a motorhome policy that will provide you with protection for this valuable asset. This will ensure you are covered if it is stolen or damaged.

Offset Liability Risk Concerns

It is also a good idea to get a motorhome policy because it can help to offset your liability risk concerns. If you do own a motorhome, there are various liability risks that you will take on each time you use it. As these can come with financial damages, having motorhome coverage is beneficial as it will also provide you with liability support.

Get Motorhome Insurance Today

Those that are going to own and use a motorhome in the Maryville, TN area will want to know that they have proper insurance. A great way to ensure that you are insured is by speaking with the Carr Insurance Group. Our team of insurance experts at the Carr Insurance Group will give any guidance you need to build a plan that will meet your needs.

Three major differences between RV insurance and standard auto insurance

Posted on August 30, 2022August 30, 2022 by admin

There are many similarities between RV insurance coverage and standard auto insurance coverage. However, there are also some significant differences that RV owners should be aware of when they acquire insurance coverage for their RV.

The more informed RV owners are, the better able they’ll be to make the right choices when choosing RV insurance coverage. You can consult with Carr Insurance Group in Maryville, TN for more information on this important coverage.

Here are the three major differences between RV insurance and standard auto insurance:

Ease of pausing RV insurance policies

A standard auto insurance policy is typically designed to offer continuous coverage with no seasonal breaks at any time of the year. On the other hand, many RV insurance policies offer features that make it very easy to temporarily stop coverage in the off-season while RV owners keep their RV in storage. This is a feature that many RV owners might want to take advantage of.

The division into three different classes

RV owners need to purchase RV coverage based on what class RV they own. RVs are classified as Class A, Class B, or Class C vehicles. These classifications are generally based on the size of the RV model in question.

Full-time coverage for RV residents

RV insurance providers know that some RV owners live in their RV full time. That’s why they provide more coverage to policyholders with full-time coverage in the event that an RV needs to have repairs that will last an extended period of time. In this case, full-time coverage for RV owners will cover the costs of finding alternative lodging while the covered RV is being repaired.

Give Us A Call

At Carr Insurance Group in Maryville, TN, we can help you find insurance solutions for all your RV insurance needs. Get in touch with us today if you have questions about our RV insurance policy offerings. We can offer you a quote and provide you with any other information you need to find the right RV coverage.

Do I Need Motorcycle Insurance Year-Round?

Posted on July 29, 2022August 1, 2022 by admin

No matter what time of year it is, you need to be insured if you’re riding your motorcycle in Maryville, TN. Whether cruising down the Parkway on a sunny summer day or braving the cold for a winter ride, being adequately insured is always a must. However, during the winter months, when you’re not using your motorcycle as often, you may be tempted to let your insurance lapse. But is that a good idea?

Is There Seasonal Motorcycle Insurance?

There is no such thing as seasonal motorcycle insurance, at least not in the traditional sense. Your motorcycle insurance policy is annual, which means it covers you for 12 months, no matter how often or how little you ride. So, even if you only take your bike out a few times during the winter, you’re still required to maintain your insurance coverage.

A Carr Insurance Group agent can help you tailor your motorcycle insurance policy to fit your needs and budget, whether you’re a casual rider or an avid enthusiast.

Why You Shouldn’t Let Your Coverage Lapse

However, just because you’re required to maintain your motorcycle insurance year-round doesn’t mean you should let your coverage lapse, even for a short period. If you cancel your policy or let it lapse, you could face some severe consequences, including:

A New Policy Can Be More Expensive

If you let your policy lapse and then try to reinstate it or get a new policy, your carrier may charge you a higher premium. That’s because insurance companies view lapsed coverage as a red flag and may deem you a higher risk to insure.

You Could Be Penalized by the DMV

In most states, including Tennessee, it’s illegal to operate a motorcycle without insurance. If caught riding without coverage, you could be subject to a fine or have your license suspended.

Give Us A Call

Contact Carr Insurance Group today to learn more about your options for motorcycle insurance in Maryville, TN.

How Do I Choose The Right Boat Insurance For Me?

Posted on June 30, 2022July 1, 2022 by admin

Choosing the right boat insurance for you means that you will be purchasing adequate coverage for your vessel. Additionally, you can save money by only paying premiums for the coverage you need. The insurance experts at Carr Insurance Group developed this guide to help you choose the right watercraft insurance for you in Maryville, TN.

Boat Insurance: What You Need To Know

1. What Type of Vessel Do You Have?

If you own a small boat like a canoe or small sailboat, a homeowners or renters insurance policy with limited property coverage will be enough, and you don’t need to get boat insurance. However, if you have a larger and faster boat, you will need dedicated watercraft insurance with several add-ons.

2. Understand the Types of Watercraft Insurance Options Available to You

There are various watercraft options available to residents of Maryville TN, such as;

Vessel damage: This policy covers your boat if it’s damaged by natural disasters, vandalism, collision, and theft
Personal injuries: This watercraft policy covers the medical expenses of your passengers in the boat, and you
Equipment loss: This coverage takes care of damaged permanently attached boat equipment such as motors and anchors
Property liability: This policy provides coverage for damage that your vessel causes to other people’s property
Passenger liability: This coverage takes care of the property damage and injury to persons that occurs when a passenger drives the vessel with your permission

3. Assess Your Risks

Analyze the risks that your boat is likely to encounter and purchase insurance for the first. For example, vessel damage and property liability are a must-have if you regularly sail your boat near other boats. You can forego passenger liability if you never bring passengers aboard your vessel. Only get watercraft insurance for the risks that apply to your situation.

Contact Us Today

Do you have more questions on watercraft insurance in Maryville, TN? Insurance experts at Carr Insurance Group are ready to provide answers. Call us today.

What Factors Affect My Auto Insurance Rates?

Posted on May 31, 2022June 9, 2022 by admin

When purchasing car insurance, several factors will affect your rate. The riskier your driving record, the higher your premium will be. To get the lowest rate possible, shop around and compare a few different insurance companies. Your credit score, driving record, car model, and the amount of coverage you opt for all determine your car insurance rate. Carr Insurance Group serving the greater Maryville, TN community can help you with auto insurance.

What Factors Affect Auto Insurance Rates?

Record of Accidents and Violations

If you have been in any accidents, this will likely increase your rates regardless of who was at fault. If you want to keep your premiums as low as possible, shop around and find a company that offers the lowest rate. Keep your record clean by maintaining a policy with a company that offers good driver discounts.

Even if you don’t have any violations or accidents on your record, you can still shop around and find a company that provides the best car insurance rates. Accident prevention devices installed in your car can reduce your rates by up to 20%.

Your Car’s Make and Model

You pay more for a luxury car or a sports car than an SUV or a sedan. This is because luxury cars and sports cars are more likely to be involved in accidents and more likely to be stolen. Another important factor that car manufacturers take into account when determining your car’s insurance rate is its safety features.

Many cars come with standard safety features these days, but it is important to note that some cars have more impressive safety features than others. If you are considering buying a new car, you should think about which car models have the best safety features and try to buy a car that has a high safety rating.

Your Coverage Options

Most companies offer a variety of policy types, from standard coverage to specialized policies like pickup trucks or sports cars. They may also offer different deductibles for different types of coverage, like collision or medical expenses. For professional auto insurance services, call Carr Insurance Group in Maryville, TN.

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Classic Car Restrictions

Carr Insurance Group Can Help

Get All the Emergency Gear in Order

Make Sure The Motorhome is Properly Insured

Contact Us Today

How An Umbrella Insurance Policy Works

Does an Umbrella Policy Protect Against a Lawsuit?

Who is Covered By My Umbrella Policy?

Contact Us Today

How to Get the Most Out of Your Home Insurance Policy

Update your home insurance policy

Understand what your home insurance covers

Partnering with the right insurance agent

Keeping an inventory list

Contact Us Today

Classic Car Insurance Defined

Give Us A Call

You can benefit in various ways if you do have a motorhome plan:

Have Coverage for Your Motorhome

Offset Liability Risk Concerns

Get Motorhome Insurance Today

Here are the three major differences between RV insurance and standard auto insurance:

Ease of pausing RV insurance policies

The division into three different classes

Full-time coverage for RV residents

Give Us A Call

Is There Seasonal Motorcycle Insurance?

Why You Shouldn’t Let Your Coverage Lapse

A New Policy Can Be More Expensive

You Could Be Penalized by the DMV

Give Us A Call

Boat Insurance: What You Need To Know

1. What Type of Vessel Do You Have?

2. Understand the Types of Watercraft Insurance Options Available to You

3. Assess Your Risks

Contact Us Today

What Factors Affect Auto Insurance Rates?

Record of Accidents and Violations

Your Car’s Make and Model

Your Coverage Options

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