Webb & Associates Insurance Agency strives to offer you quality insurance coverage, a high level of professional service and a long-term relationship. As independent agents, we’ll research rates and coverage from top auto insurance companies to find the best insurance rates and insurance plans for you. We do the insurance shopping and comparing for you to save you time and money. Call us today for a Personal Insurance Quote. 423-894-2211
Auto insurance coverage has two parts. The first is the liability section of the policy. It covers your financial responsibility for injuring others. Some liability coverage is required by most states.
The second part of auto insurance covers the car itself: comprehensive coverage reimburses losses from fire, theft or other perils; collision coverage pays to repair losses caused by an accident. Often this coverage is mandated by leasing companies or banks. There are also ancillary medical, car rental and other coverage which vary by state.
Utilizing high deductibles on the physical damage coverage can help reduce premiums. If you carry umbrella insurance, you must be sure that you carry the required amount of basic liability insurance to avoid a gap in coverage for a serious accident.