Category: Auto Insurance

Tennessee drivers know that our area experiences distinct seasonal changes that each pose their own driving challenges. Gain insights on adjusting your auto insurance for year-round protection from the insurance experts at Carr Insurance Group. 

Maryville, TN Driving Conditions by Season 

• Winter Driving Conditions: Local drivers should beware of snow-packed roads and black ice, which can make even the smoothest roads treacherous or impassable and increase the likelihood of an auto accident. 
• Spring Driving Conditions: Springtime in Tennessee can mean heavy rain, cloud cover, and severe thunderstorms that can spawn tornadoes and increase the chances of collisions on local roads. 
• Summer Driving Conditions: Extreme heat and increased traffic as more people travel for summer vacations and leisure can create be recipe for disaster for residents navigating local roadways. 
• Fall Driving Conditions: The latter months of the year can bring cooler temperatures, relief from the blazing summer heat, and less traffic while increasing the risk of obstructions from falling foliage and deer activity, which can result in car accidents and animal collisions. 

Essential Coverages for Maryville Drivers

Liability Insurance Coverage 

Tennessee drivers seeking to protect their assets from seizure in the event of an at-fault accident can opt for liability coverage. This coverage can help offset the cost of personal injury, liability, and property damage claims and absorb some of the costs of out-of-pocket medical expenses for other drivers. 

Comprehensive Insurance Coverage 

Drivers seeking total protection for themselves, their passengers, their vehicles, and other drivers should opt for comprehensive auto insurance, which provides protection from head-on collisions, sideswipes, theft, vandalism, natural disasters, and animal collisions. 

Contact Carr Insurance Group to review your current policy coverages and get options for adjusting your auto insurance for year-round protection. 

Drivers in Maryville, TN must carry minimum amounts of liability insurance to drive legally. One of those minimal amounts involves bodily injury if you are involved in an accident. Yet, is that coverage enough to cover medical costs? In many cases, it may not. Here is what Carr Insurance Group wants you to know about auto injury coverage.

Minimum Body Liability Coverage is Often Insufficient

Body Liability coverage helps pay for medical expenses and lost wages resulting from an accident you cause. It can pay for your injuries, but it depends on how much coverage you have per incident. If you are involved in a severe accident with multiple injuries and are at fault, it could possibly go mainly to passengers in another vehicle, leaving you responsible for your own expenses. Having sufficient body liability insurance isn’t the only thing you should consider. You will receive better injury coverage if you add other provisions to your policy, along with higher body liability amounts.

What Else Should My Policy Have?

For drivers seeking full coverage for possible injury liability, consider adding the following provisions to your policy:

• Uninsured/underinsured motorist coverage – This provision can cover injuries  when another person causes the accident but doesn’t have enough insurance to pay for your doctors’ visits
• Medical benefits – Can cover reasonable and necessary medical expenses for those covered in a policy, no matter who is at fault.

Having both types of coverage in sufficient amounts can help protect you against paying excessive injury costs if you are involved in an accident with significant injuries. 

Contact Carr Insurance Group, serving the greater Maryville, TN community, for advice on which accident medical coverage you need in your auto policy. Our agents will happily recommend the appropriate coverage to suit your needs. 

Shopping for car insurance can be overwhelming. But knowing a few basics can save you a lot of hassle in the long run. Today, we’ll take a closer look at the top things you need to know to make the whole process easier.

A Variety of Factors Influence Car Insurance Rates

You’ve likely experienced the wide range of questions each insurance agency asks. Each company uses its own criteria to evaluate which drivers it covers and how much those drivers will have to pay. These factors are used to calculate the amount of risk you represent to the company.

The Car You Drive Will Affect Your Rates

Depending on the type of car you own, your rates can vary dramatically from others in your demographic. In the most basic sense, the safer your car and the easier it is to repair, you may see a lower rate than if you were to drive a car that is expensive to repair with a less-than-ideal safety rating.

Insurance Rates Can Vary By Company

Since each company uses its own risk assessment formula to determine what you pay, the same coverage can cost a drastically different amount at two different companies. To ensure you get the best possible rates, it’s important to shop coverage options from a wide range of providers.

Need Help Finding the Right Coverage in Maryville, TN?

Call Carr Insurance Group Today!

All of the different coverages, terminology, and rates can be wildly confusing, even if you’ve had an auto insurance policy for years. Let the trusted professionals at the Carr Insurance Group relieve the headache of shopping for insurance by doing the leg work for you. Our Maryville, TN staff will find you the best coverage at the lowest rate. Give us a call today to get started!

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.

When you have a car in Maryville, TN, you know that auto insurance is mandatory, but do you know if your auto coverage protects you optimally? Does it make sense to pay an additional premium for maximum coverage? But isn’t it even riskier to be underinsured? If you have these questions running through your mind, hang on as Carr Insurance Group guides you through the car insurance you should buy. Here is how to know that your auto insurance is adequate.

One that meets the requirements of the state

At the very least, we advise our clients to carry auto insurance that meets the minimum conditions of the state. Tennessee State requires drivers to have liability coverage that provides property damage and bodily injury protection. Driving without valid insurance could result in fines and penalties that include license suspension. 

Should cover your assets

Your auto insurance should be adequate to cover your assets when faced with financial claims. For instance, if your assets are worth $300,000, your auto insurance should have a limit of at least $350,000. This way, if you cause an accident, your assets are not at stake to cover medical costs, property damages, and legal suits from third parties. However, if you have significant assets and earnings, you can consider umbrella insurance for broad liability coverage. 

Should cover the cost of your car

An adequate amount of car insurance should pay for your vehicle in case of a total loss. When insuring your car, there are two types of payouts to consider.

• Actual cash value: This covers the market value of your car at the time of the loss. And since cars depreciate from the time you start driving, this amount may never be enough to cover your loss.
• Replacement cash value: This payout works best for you because it’s large enough to replace the actual loss of your car. However, it may cost you a little more on premiums. 

Are you shopping for car insurance in Maryville, TN? Please contact Carr Insurance Group for a comprehensive quote. If you need to determine whether you have enough car insurance, you can call or visit our offices for help to talk with our staff and have your questions answered.

In today’s world, having the right auto insurance is important. Some types of auto insurance are mandated by the state that you live in. Tennessee requires that you have liability insurance, property damage, and under and uninsured motorists coverage. It would be best if you discussed your auto insurance needs with a trusted insurance agent. Carr Insurance Group in Maryville, TN is an independent agency that works for you, not one carrier, and they can offer you more choices for better coverage and prices. 

When it comes to the question, "can you have more than one car on an auto policy," the simple answer is yes, you can. The number of additional cars you can have on a single policy will depend on the carrier you choose for your policy. These days many families are at least two vehicle families since both parents may have jobs that require that they drive to work. If you don’t live in a large city, chances are you will have limited options for public transportation. 

While, in most cases, you must carry the same liability insurance on all your vehicles to avoid confusion on the amount of coverage, you are allowed to mix and match optional coverages. What this means is you may want to carry collision and comprehensive on a newer vehicle you own, but not on a clunker. Unless you have a car loan or lease, you are not required to have collision and comprehensive coverage. 

When you add a new car to your family, you can call your agent at Carr Insurance Group in Maryville, TN to add the new vehicle to your policy. They will ask for the VIN and will provide you with your insurance cards. You usually need to show the insurance cards before you can register your vehicle. To get more information about the auto insurance products that we offer, stop by our office or give us a call.