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Home > Auto / Car Insurance - Clinton TN & Knoxville TN - ISG Insurance

Auto Insurance


Auto Insurance Quote Forms

Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.

Auto Quote Form

Auto Insurance Information

Good Drivers are Responsible Drivers.


Purchasing a car can be a very expensive investment. Auto insurance is a great way to ensure you’re doing the most to protect the value of your car. 

What is auto insurance? 

Auto insurance exists to protect you from hefty financial losses due to unexpected accidents. Essentially, it is a contract between you and your insurance company. If you are involved in a car accident (or experience another hazard involving your vehicle), having auto insurance will assist you greatly, as your insurance company will step in and cover some of or all of the losses resulting from your damaged vehicle, injuries and related losses. 

What do auto policies cover? 

Tennessee's Financial Responsibility Law requires you to be financially responsible in the event of an automobile accident.  Unless you qualify for an exemption, the easiest way to meet your financial responsibility requirement under state law is to get covered by an auto liability insurance policy.  

Starting in 2017, uninsured drivers in Tennessee will pay fines and risk losing their vehicle registration if they are unable to demonstrate proof of financial responsibility. A web-based program will verify insurance for all Tennessee drivers. These changes come as part of the James Lee Atwood Jr. Law.

The required minimum limits of your liability car insurance are:

$25,000 for each injury or death per accident.
$50,000 for total injuries or deaths per accident.
$15,000 for property damage per accident.

The perks included within the policy you choose are generally up to you, but auto policies can offer expansive benefits such as: 

  • Liability Insurance: Insures you against damage you cause others if you are at-fault in a wreck.

  • Bodily injury liability coverage pays for their medical bills (and in some cases deaths)

  • Property damage liability pays for damage to the other driver’s property, like their car.

  • Collision Insurance: Covers damage to your own vehicle after a wreck.

  • Comprehensive Insurance: Pays for damage from non-accident mishaps, like weather damage.

  • Medical Coverage:Pays for your medical bills and those of your passengers.

  • Uninsured/underinsured Insurance: Insures you against damage caused by someone else who doesn’t have appropriate liability coverage.


Other coverage offers help for roadside assistance and rental car coverage. 

Contact your agent about including these protections in your coverage. 

Why do you need car insurance? 

In most cases, you are required to have some type of coverage. It is important to not settle for the bare minimum, though, as it could hurt you in the future if something were to happen. Adequate coverage is essential for financial protection if an accident happens. Ensure you’re properly covered with the right plan. Talk to your agent about the most comprehensive and affordable policy for yourself. 

Questions to ask your agent 

We are here to assist you in ensuring you have the right auto insurance policy through continuous support and assistance. Our agents are knowledgeable, experienced and here to guide you every step of the way.  

Here are some things to consider as you select your coverage:  

  • How much can you afford to pay if you get in an accident? (To keep premiums low you may want to have a higher deductible and be willing to pay more for repairs.) 

  • What is the insurance company's level of service and ability to pay claims? (Some might be more convenient for you than others). 

  • What discounts are available? (Ask about good driver, multiple policy and student discounts.) 

  • What's the procedure for filing and settling a claim? (Ask who to call and what happens after you file a claim.) 


Contact us today 

Don’t sell yourself short. Contact us at 865-457-9907 or request an online quote to figure out the best auto insurance policy for yourself. 

Contact us
865-457-9907 499 S. Charles G Seivers Blvd. | Clinton, TN 37716
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Location
499 S. Charles G Seivers Blvd.
Clinton, TN 37716
P: 865-457-9907
F: 865-463-8090



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