Local Car Insurance Agency Franklin, TN

Finding a local auto insurance company you trust is the first step in finding the best coverage for your vehicle and your family. If you need auto or truck insurance in Nashville or Franklin, Montgomery & Associates Insurance would love to learn about your needs and provide a free quote for service. 

How to Buy Auto Insurance

The first step in buying car or truck insurance is to do your research on the agency and insurance carrier. 

1) First, research local car insurance providers and interview two or three. Check references and/or online reviews. Once you are comfortable with a company or a particular agent, securing the right level of coverage will be easy. Many of our customers prefer an independent agency, so they can get to know their agent personally. Being familiar with their family, career industry, assets, and lift changes helps the agent provide the insurance that is needed at the best price, often bundling coverages for discounts. That is what we offer at Montgomery & Associates, a small-town feel with big company experience and knowledge.

2) Second, make sure that your auto insurance coverage meets the Tennessee state minimum insurance requirements and provides enough coverage to protect against high losses. At Montgomery & Associates, we recommend levels of coverage that best meet your needs, beyond what the state of Tennessee requires.

Ask an agent about recommended vehicle coverage levels in Tennessee 

3) Third, consider optional insurance coverage that can provide you with extra protection to reduce risk without paying for coverage you don’t need.

4) Fourth, consider available discounts. Carriers offer a number of discounts that can reduce premiums and make your insurance expense much more affordable. Examples include discounts to good students, farm or ranch vehicle use, bundling insurance policies, automatic payments, multi-car discounts, and safety feature discounts (such as anti-theft, anti-lock brakes, alternative fuel, and, passive restraints). 

5) Finally, it’s important to consider the different insurance carriers and prices to keep the premiums affordable and determine which is best for you. Be sure the agency you choose has a wide selection of automotive carriers. At Montgomery & Associates, we offer multiple insurance quotes to save you money.

Request an auto insurance rate quote

Finding the Right Car or Truck Insurance Plan

To find the perfect auto insurance coverage for your vehicles, you will need to look at the following factors:

Auto Insurance Carriers: Multiple Quotes

There are many different insurance carriers you can choose from, including companies like Foremost, Nationwide, Auto Owners, Cincinnati, Safeco, and Progressive. Having a variety of carriers helps you obtain the right coverage at the best price. Our agents are trained to run multiple quotes for each customer.

Tennessee Current Minimum Car Insurance Requirement

For your Tennessee vehicle, you will need a minimum of $25,000 in liability insurance per injury or death and $50,000 for total injuries or deaths, as well as $25,000 in property damage insurance per accident.

Prices and Deductibles

As long as your insurance meets the state minimums, you can compare plan prices to choose the best one for your budget. 

Optional Auto Coverage

 Extra insurance makes sense for many people, although it is not required by the state of Tennessee. Nonetheless, sometimes extra insurance is required if you are paying off a car loan or leasing a vehicle. Optional insurance includes higher coverage amounts, collision insurance, uninsured motorist insurance and other choices. 

An auto insurance broker at Montgomery & Associates can guide you through the process of picking between carriers, finding the lowest prices and getting the right amount of coverage. We do not represent a single insurance carrier, so we will show you your options, including ones that might not be available to you without an agency.

We will make our best effort to find you the best prices between the different carriers and plan options. We work to get you just the right level of coverage, which means meeting state minimums and choosing optional coverage that works for your situation, without going overboard with insurance you don’t need. Request an auto insurance quote online.
Auto Quote Form

Franklin Insurance Office

725 Cool Springs Blvd, Suite 160
Franklin, TN. 37067
(615) 829-8457