Auto Insurance
Coverage
Do you have sufficient automobile liability limits? Will you be protected against liability claims in the event you are involved in an at-fault accident? Most individuals do not understand how the personal automobile policy responds to these exposures.
At TIS, we want to make sure you understand this issue so that you can select the liability limits right for your financial situation. In addition, we will advise you on this and other issues such as whether you need to purchase liability coverage when you rent a car and which deductibles are the most cost-efficient. Let us advise you on the most effective way to manage these risks.
CONSIDERATIONS
What is the age and condition of your vehicle?
Is your vehicle under a lease or loan?
How much will it cost to repair or replace your vehicle if it is totaled?
Do you park your vehicle outside?
Do you have a long commute?
Do you have an inexperienced driver in the household who may be more likely to be involved in an accident?
Does your vehicle need specialty coverage?
PREMIUM BASIS
Coverages Selected
Coverage Limits
Replacement Value
Driver Age and Gender
Driving Record
Annual Usage / Mileage
Vehicle Features
Residence and Parking Location
These are just some of the many factors used to determine the best policy for your unique auto insurance needs.
Vehicle
Motorcycle
RV
Classic Car
ATV
Auto Insurance Coverages
Auto insurance is an insurance coverage that is required by each state. State requirements typically involve liability coverage. However, most insureds elect for liability and physical damage coverages. Add-on options are also available for those who wish for more extensive coverage.
Liability
Insures against injury and property that you may cause to other persons. The key is that it involves you being held financially responsible for injuries to other persons because of your driving, your ownership, or other use of your vehicle.
Medical Payments
Coverage handles expenses incurred due to an injury of any occupant in your vehicle, regardless of who is at fault.
Uninsured and Underinsured Motorists
Coverage typically pays for injury you suffer from an accident caused by a person who has no insurance/is inadequately insured, a person who can’t be located (“hit and run drivers”), or a person who has insurance but whose insurance company is insolvent.
Collision
Covers damage to your own vehicle that happens when your vehicle runs into another object, such as other vehicles, trees, light poles, mountains, etc.
Comprehensive
Coverage provides for damage to your vehicle that is due to sources other than those covered under Collision, such as fire, theft, hitting an animal, vandalism, earthquake, flood, or hail.
Add-On
COVERAGES
These insurance products aren’t typically included, but can be added to an auto policy.
Towing and Labor
Coverage is to help pay for your costs to deal with a disabled car. It could help pay for the vehicle to be towed to a service station or for any repair that occurs at the location of the car’s breakdown. Note that this coverage is for labor rather than the costs of car parts.
Rental Reimbursement
Coverage reimburses your expense of renting a car as a temporary replacement. The car being replaced must be an insured vehicle that’s unavailable for use because of it being damaged, lost (stolen), or destroyed in a covered loss.
Gap Coverage
Provides coverage for the difference in or “gap” if the amount owed on a vehicle loan or lease is more than the amount paid after a total loss claim. This coverage is recommended if you owe more than your car is worth.
Auto Insurance Designed to Protect You and Your Vehicles
Driving comes with a variety of risks, from accidents and property damage to liability for injuries and other damages. At TIS Insurance Services, we help drivers in Knoxville, TN stay protected with auto insurance programs tailored to your individual and family’s needs.
Why Choose TIS for Auto Insurance?
Risk Assessment for Your Vehicles and Drivers
We review your driving history, vehicles, and how your vehicles are used to identify the exposures that matter most. This allows us to design a program that protects your vehicles, drivers, and passengers while helping manage long-term insurance costs.
Coverage Customized to Your Needs
Your auto insurance should fit how you drive and what you need from your coverage. We build policies around essential protections like liability, collision, and comprehensive coverage, with optional add-ons such as rental reimbursement, roadside assistance, and coverage for specialty or recreational vehicles.
Access to Top Auto Insurance Carriers
As an independent agency, we compare carriers, policy forms, and pricing to match you with coverage that fits your driving habits, vehicle types, and risk profile. This ensures you get protection that is both comprehensive and competitively priced.
Support When Accidents Happen
Auto claims can disrupt daily life. Our team helps you navigate claims efficiently and provides guidance to reduce the likelihood of future losses. Whether it’s a single vehicle or multiple vehicles in your household, we work with you to get back on the road and keep drivers safe.
Auto Insurance
FAQS
What types of auto insurance does TIS offer?
We provide personal auto coverage, including liability, collision, comprehensive, rental reimbursement, and coverage for high-value or specialty vehicles. Our team helps you determine which coverage fits your needs.
How does TIS determine what auto coverage I need?
We review your vehicles, driving history, and how your cars are used. This helps us design a program that protects you, your passengers, and your assets.
Can TIS help control my auto insurance costs?
Yes. By reviewing coverage, risk exposures, and carrier options, we help you maintain strong protection while keeping premiums competitive.
What makes TIS different from other insurance agencies?
As an independent agency, we work for you, not the carriers. Our team combines auto insurance expertise with personalized service and guidance, giving you coverage that fits your needs.
How do I get started with auto insurance at TIS?
Contact our team to review your current policies or request a quote. We’ll assess your risks, identify gaps, and help you design a program that keeps you and your vehicles protected.
Get a Quote
- Provide us with details about your auto insurance needs or just some simple contact information.
- A TIS Team Member will reach out to gather additional information needed to provide an innovative, accurate quote.
- Get the coverage you need.
Meet our Sales Team
Personal Insurance
kshires@TISIns.com
ssitton@TISIns.com