Murfreesboro Tennessee Auto Insurance Agents – Which is Right for You?

When buying car insurance in Murfreesboro, you have many choices and finding the best Tennessee insurance agent is harder than just driving to the closest agent’s office. For this article’s sake, it’s assumed you’re not only searching for a good professional insurance agent, but you also need affordable coverage.

With companies like State Farm, Allstate and Farmers Insurance having local Murfreesboro offices, it can be hard to know which will provide the best service and rates. Thankfully, it’s easy to use online price quotes to assemble a group of insurance agencies to choose from.

Best way to find Murfreesboro agents

Licensed agents can point out coverage gaps and help you file claims. One of the great benefits of comparing insurance prices online is the fact that you can find the best rates but still work with a licensed agent. Supporting small agencies is definitely important in Murfreesboro.

By using this form (opens in new window), your coverage information gets sent to companies in Murfreesboro who will battle to get your business. You won’t need to leave your computer as quotes are delivered directly to your email. How’s that for easy!

The different types of insurance agents

When researching a reliable agent, there are a couple of different agency structures to choose from. Agencies in Murfreesboro are categorized either independent (non-captive) or captive. Both insure your vehicles, but it’s good to learn how they differ since it may influence the selection process.

Independent Agents (or Brokers)

These agents are not employed by any specific company but rather can write business with any number of different companies and potentially find a lower price. To move your coverage to a new company, your agent can switch companies without you having to go to a different agency. When searching for an agent, it’s a good idea to include price quotes from multiple independent agents to have the most options to choose from.

Below is a short list of independent insurance agencies in Murfreesboro willing to provide competitive price quotes.

Direct General Ins Agency – 915 NW Broad St – Murfreesboro, TN 37129 – (615) 890-3200
Stone Agency – 307 N Walnut St – Murfreesboro, TN 37130 – (615) 904-9408
Horton Insurance Svc – 1535 W Northfield Blvd # 11 – Murfreesboro, TN 37129 – (615) 904-0202
Gregg Brown Insurance – 105 N Maple St – Murfreesboro, TN 37130 – (615) 890-4471
Pike Agency – 110 Royal Glen Blvd – Murfreesboro, TN 37128 – (615) 896-8854

Captive Insurance Agents

Captive agencies are contracted to one company and some examples include American Family, Liberty Mutual and AAA. They usually cannot shop your coverage around so keep that in mind. Captive agencies are usually quite knowledgeable in insurance sales which helps them compete with independent agents.

Shown below is a list of captive agents in Murfreesboro that can give you rate quotes.

Allstate Insurance Co – 814 S Church St # 100 – Murfreesboro, TN 37130 – (615) 893-5542
Farm Bureau Insurance – 1806 Memorial Blvd # A – Murfreesboro, TN 37129 – (615) 867-9425
State Farm Insurance – 522b Brandies Cir # 4 – Murfreesboro, TN 37128 – (615) 893-3534
Shelter Insurance – 512 S Church St – Murfreesboro, TN 37130 – (615) 895-0952
Farmers Insurance Group – 302 Uptown Sq # D – Murfreesboro, TN 37129 – (615) 867-3988

For a complete listing of Murfreesboro captive insurance agents, please click here.

Choosing an insurance agent should depend on more than just the premium amount. Agents should be asked these questions:

  • If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
  • Are there any hidden costs in their price quote and does it include driving and credit history?
  • Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
  • Can they provide you with a list of referrals?
  • Does the agency provide any after hours assistance?

Once you have acceptable answers to all your questions and a low price estimate, you have narrowed it down to a car insurance agent that is a good match to provide car insurance coverage.

Online companies are an option

Car insurance agents are important to many people, but Tennessee car insurance can also be bought direct from companies that only sell online. Some companies, such as State Farm, Allstate and Farmers, who have local agents in Murfreesboro also give you the option to buy online, and that can save time and can also potentially find you lower rates.

If you’re apprehensive about not getting advice from an agent, this really isn’t an issue. Companies provide access to licensed agents you can use to get advice on coverages.

Do online companies have better rates? The answer is complex because there are so many things that influence how your policy is priced. Common logic is that shopping direct cuts out the middleman. But the fact is, marketing their products costs a lot of money and this tends to eat up any savings.

If you’re trying to save the most money, the best approach to discovering if agents have better prices than online companies is to set aside time to compare rates from both. You may actually get a different price from the same insurance company depending on if you quote online or with an agent. You won’t know which is cheaper until after comparing identical coverage quotes using both methods.

Keep this in mind

Consumers switch companies for any number of reasons including poor customer service, high prices, policy non-renewal and even questionable increases in premium. No matter why you want to switch, switching car insurance companies is easier than you think.

Murfreesboro TN agents

When shopping online for car insurance, you should never reduce needed coverages to save money. There are too many instances where drivers have reduced full coverage to discover at claim time that the small savings ended up costing them much more. Your focus should be to find the BEST coverage at a price you can afford, not the least amount of coverage.

Much more information about car insurance in Tennessee is located on the website for the Tennessee Department of Commerce and Insurance through this link. Tennessee consumers can read state legal mandates and laws, file complaints about a company, and read industry bulletins.

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