Auto Insurance in Middle Tennessee

Looking for reliable auto insurance in Brentwood? Steven Tate Insurance Agency has you covered with a variety of options tailored to meet your needs, including standard auto insurance and coverage for collector cars.

Whether you’re a resident of Brentwood or anywhere else in Tennessee, it’s essential to understand that car insurance does more than just cover vehicle damage. Given the number of cars on the road and daily distractions, the risk of an accident is always present. Every time you drive, you face potential risks.

Why Adequate Car Insurance is Crucial

If you’re found at fault in an accident causing bodily injury to others, inadequate coverage could put your assets at serious risk. Many people mistakenly believe that better coverage means higher premiums. However, as an independent agency, we compare your current policies with those of multiple insurers to find the best deal without increasing your costs.

Our compensation comes directly from insurance carriers, meaning we work on your behalf to ensure your needs are met and there are no gaps in your coverage. Insurance contracts can vary significantly, and it’s vital to have an expert who can navigate the fine print and exclusions, ensuring you have optimal coverage at the best price.

Key Auto Insurance Coverages

When reviewing your policy, you might wonder about certain coverages. Here’s a breakdown of some essential ones:

  • Collision Coverage: Covers damage to your car resulting from a collision with another vehicle or object.
  • Comprehensive Coverage: Protects your car from non-collision incidents such as theft, vandalism, or hitting an animal.
  • Property Damage Liability: Covers damage you cause to someone else’s property, like their car or home.
  • Bodily Injury Liability: Pays for injuries you cause to others in an accident, covering medical bills and related expenses.
  • Uninsured & Underinsured Motorist Coverage: Provides protection if you’re injured by a driver without adequate insurance.

Factors Affecting Auto Insurance Rates

Several factors influence your auto insurance rates, including:viewing your policy, you might wonder about certain coverages. Here’s a breakdown of some essential ones:

  • Age: Drivers under 25 and over 65 typically have higher rates due to higher risk.
  • Credit Score: Better credit usually leads to more favorable insurance rates.
  • Vehicle Type: The car’s make, model, engine size, and safety features all play a role in determining rates.
  • Driving History: A clean driving record results in better rates, while a history of violations or accidents can increase costs.
  • Household Drivers: The overall risk of all drivers in your household affects the rates.

Getting Started with Your Auto Insurance Quote

If you’re in Brentwood and need a car insurance comparison, Steven Tate Insurance Agency makes it easy to find the best coverage and price. We handle the heavy lifting for you.

To get started, call our office or fill out the form below to provide some basic information. We’ll review and compare policies to find the best fit for your needs. Contact us today to ensure you’re properly protected on the road.