Frequently Asked Questions

Below are some of our frequently asked questions. If you have any other questions or concerns, please feel free to contact us.

  1. How do I get cheap car insurance?
  2. What is a no claim bonus?
  3. What is voluntary excess?
  4. When do I need to add my teen driver?
  5. Can I get car insurance without a down payment?
  6. Can I get an sr22 without insurance?
  7. How do I get SR 22 Insurance?
  8. What is the difference between sr22 and regular insurance?
  9. Do I need SR 22?
  10. Is sr22 insurance full coverage?
How do I get cheap car insurance?
Age, gender, vehicle and driving location are well known factors in determining your insurance rate. One factor you may not be aware of is your insurance score. Your insurance score is a way for insurance companies to determine your likelihood of filing a claim and or discontinuing your coverage. Although your insurance score does in not affect your credit score, your credit history is a factor in determining your insurance score.

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What is a no claim bonus?
No claim bonus or disappearing deductibles is a way that some insures reward the customer for not filling small and excessive claims. The insurer saves money by not having to process the claim. They intern pass those savings on to the customer.

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What is voluntary excess?
Voluntary excess car insurance is the UK equivalent of a deductible; much like in the US, a driver who chooses voluntary excess car insurance can pay less for their premiums than those that don’t.

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When do I need to add my teen driver?
As soon as your teen obtains a driver’s permit and begins to drive, they should be put on your policy as a driver. In Tennessee all household members age 14 and up are required to be listed on your policy. They can be listed either as a driver or non-driver. Please visit https://www.tn.gov/driver-services.html to get specific Tennessee guideline for your teen driver.

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Can I get car insurance without a down payment?
There are places on the internet that advertise “no down payment” insurance but reputable insures will require a money exchange for insurance coverage. Down payments will include any up-front administrative fees for the insurer and coverage for the time period between the time your coverage starts, until another payment is required.

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Can I get an sr22 without insurance?
No, an SR22 is a certificate filed with the state verifying that you have at least the state minimum requirements for insurance coverage.

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How do I get SR 22 Insurance?
Most insurers offer SR22 fillings. The only way to obtain an SR22 is to purchase insurance for an insurer that offers this service. Please keep in mind that the SR22 is valid only if your insurance is valid.

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What is the difference between sr22 and regular insurance?
The coverages are the same. The only difference is that with the SR22 filing your insurer reports to the state when your insurance has lapsed, is cancelled or renewed.

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Do I need SR 22?
SR22 is required by the state when your license have been suspended or revoked. If you need or suspect that you need an SR22 you can check at https://dl.safety.tn.gov/_/

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Is sr22 insurance full coverage?
No, an SR22 is simply a certificate filed with the state verifying that you have at least the state minimum requirements for insurance coverage.

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