Affordable car insurance for Morristown, Tennessee and the surrounding area.

Strate Insurance Group provides quality, affordable auto insurance for individuals and families in Morristown, Tennessee and the surrounding area. We work with clients in Hamblen, Jefferson, Grainger, Cocke, Claiborne, Knox and Hawkins counties.

We help you find the best coverage for your needs at a fair price.

Tennessee, like every other state, has a minimum coverage requirement for personal auto liability insurance. Here in Tennessee, drivers should purchase auto liability insurance covering bodily injury and property damage.

But is that really all you need to properly protect yourself and the other drivers in your family—not to mention your assets—from the damaging financial results of a car accident? Is meeting the minimum coverage requirements really going to provide adequate coverage? Likewise, will the fastest, cheapest quote provide the best coverage when you really need it?

The best car or truck insurance for you and your family addresses the individual risks you face and provides enough coverage if you ever have to file a claim. At Strate Insurance Group, our Family Insurance agents will ask questions and get to know you. We will quote good coverage that will be there when you need it, not cheap coverage that could let you down when it counts.

And if you have a budget to meet, we will help you do that, too. You can be assured that we will search multiple, highly-rated insurance companies to find the best coverage at the best price, within your budget.

You need maximum protection for your needs and budget.

Tennessee requires drivers to carry bodily injury and property damage liability coverage. Liability coverage provides financial protection if you or another driver in your household causes bodily injury to someone else or damage to someone’s property.

A variety of other coverage types are available to ensure that you have comprehensive protection:

  • Medical payments coverage, or personal injury protection, is no-fault coverage that helps pay for medical, dental, and funeral expenses for you or your passengers after an accident.
  • Uninsured motorist coverage protects you if you are injured by a hit-and-run driver or by a driver who does not have liability coverage.
  • Underinsured motorist coverage protects you if another motorist is at fault for a collision but does not have enough insurance to pay for your losses.
  • Collision coverage provides reimbursement for the costs of physical damage to your vehicle when it hits or is hit by another vehicle or object (e.g., a tree).
  • Comprehensive coverage provides reimbursement for the costs related to almost all other non-collision damage to your vehicle, such as theft, fire, vandalism, weather, birds or animals, glass breakage, and so on.
  • Substitute transportation/rental reimbursement coverage pays for a rental car if your vehicle is damaged and you must rent a vehicle while it is being repaired.
  • Towing and labor/roadside assistance reimburses you when you must call for help if you are locked out of your vehicle, run out of gas, or face some other type of problem while out on the road.
  • Death indemnity/accidental death coverage pays for funeral and related expenses if you or a covered family member is killed in an auto accident. This coverage is only necessary if you do not have death benefit coverage from another insurance policy.
  • Custom equipment coverage reimburses you for the costs of physical damage to special or custom equipment such as special stereos, tires, paint, wheelchair lifts, etc.

In addition to finding you the best coverage for your needs and budget, we can make sure that you are taking advantage of all of the car insurance discounts you are eligible for, including multi-car and multi-policy discounts, safe driver and good student discounts, and more.

Get Tennessee car insurance quotes from Strate Insurance Group.

The Family Insurance agents at Strate Insurance Group are here to serve you. We will get to know you, gather quotes, and advise you on which coverage best protects you and your family. And we can find coverage for your recreational vehicles including motorcycles, RVs, boats and other watercraft.

For quality car insurance and personal, knowledgeable advice, call us at (423) 318-5800 or contact the Family Insurance agents at Strate Insurance Group today.