Auto Insurance Coverage

Auto Insurance Coverage 2018-07-05T20:50:30+00:00

Looking For Auto Insurance In Nashville?

Given the sheer number of cars on the road and the distractions drivers encounter every day, the chance of being involved in a car accident is high. In reality, you’re at risk every time you get behind the wheel. As such, it’s important to understand your coverage options — not just for your car, but for you and people who might be injured as a result of your negligence.

As a consumer, you are constantly bombarded by auto insurance advertisements, most of which focus strictly on price. Brian focuses on coverage first, with cost being a secondary albeit important concern, because he knows that long after you’ve forgotten the price you paid, you’ll remember the quality you bought. But what a lot of people don’t realize, is that great coverage doesn’t necessarily come with higher premiums. We compare your current coverages with a wide range of carriers to see who offers you the best possible plan.

No two insurance contracts are alike, and while two policies might look the same, the fine print behind the cover page can vary drastically from company to company. This means that it’s important to have someone like Brian, who truly understands policy contracts, to sort through the exclusions, benefits, and conditions. Then you can rest easy knowing that you have the best possible coverage at optimal pricing.

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Common Insurance Variables
  • Age — Drivers under 30 typically don’t receive preferred rates because statistics show this demographic to have the highest loss frequency, which leads to a greater risk for financial loss due to an accident.

  • Credit — Credit is a metric that has been used in insurance scoring for many years. The better your credit, the more favorable your rates will usually be.

  • Car — The type of car you drive, along with the included safety features, are part of determining the insurance rate. The newer your vehicle, the higher your premium might be, due to cost of repair or replacement.

  • Driving History — Your driving record and loss history play a substantial role in determining your price. Preferred pricing is typically reserved for drivers who have no reported losses in the last three years.

  • Household — Premiums are based on the probability of loss for the the entire household. If there are drivers under the age of 25, this will impact the household auto costs. Students living at home can receive substantial discounts for maintaining good grades.

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