Automobile Insurance
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Can I bundle my car insurance with other policies?
Yes! Bundling your auto insurance with home, renters, or even life insurance can save you money and simplify your coverage. Most of the carriers we work with offer discounts for bundling, and we’ll help you find the best combination to maximize your savings while keeping you properly covered.
Can you shop my auto insurance with multiple insurance companies?
Yes! As an independent agency, we work with several top-rated insurance companies to compare coverage and pricing. We do the shopping for you to make sure you’re getting the best deal without sacrificing protection.
Switching insurance seems like a hassle. Do you do anything to make it easier?
We get it—changing insurance can feel like a headache, but we make it completely painless with our White Glove Service. We handle everything for you, from canceling your old policy to setting up your new one, so you don’t have to deal with any of the back-and-forth. We’ll even help you get refunds on unused premiums if applicable. All you have to do is sign, and we take care of the rest!
Do you insure young drivers?
Absolutely! Whether they just got their learner’s permit or are heading off to college, we help families find affordable coverage for young drivers. Our expert agents will also look for discounts that can help lower costs, like good student discounts and safe driving programs.
What is the best way to save on car insurance?
Bundling your auto and home insurance, maintaining a clean driving record, and taking advantage of discounts can all help lower your premium. We’ll go over all the options to make sure you’re getting the best rate.
Do you offer coverage for high risk drivers that need SR-22 filings?
Yes! If you’ve had tickets, accidents, or a lapse in coverage, we can still find you options. We work with multiple insurance carriers, including ones that specialize in high-risk policies, to get you back on the road with the right coverage.
Do you offer coverage for classic or specialty cars?
We do! Whether you have a classic car, a modified vehicle, or something rare, we work with specialty insurers to get you the right coverage. Standard auto policies don’t always account for the true value of a classic car, but we’ll make sure yours is properly protected.
How much liability insurance should I have?
At Hutsenpiller Insurance, we don’t write state minimum coverage because it often leaves drivers exposed to major financial risk. Our agency standard is at least 100/300—meaning $100,000 per person and $300,000 per accident in bodily injury liability. We also recommend higher limits and umbrella policies for added protection. We’ll walk you through your options to make sure you have the right coverage for your situation.
Why choose Hutsenpiller Insurance?
Independent and Local: As an independent insurance agency, we work for you, not the insurance companies. This allows us to offer a wide range of options from multiple top-rated insurers, ensuring you get the best coverage at the most competitive rates.
Personalized Service: Our team takes the time to understand your specific situation and tailor insurance plans that fit your lifestyle and budget.
Experienced Agents: With years of experience in the industry, our knowledgeable agents are here to guide you through the insurance process, making it simple and hassle-free.
Community-Focused: We are proud to serve the residents of Tennessee, and our commitment to the local community sets us apart.
Comprehensive Auto Insurance Coverage
We offer the following options;
- Liability Coverage – Covers bodily injury and property damage you cause to others in an accident where you are at fault.
- Collision Coverage – Pays for damage to your vehicle after an accident, regardless of who was at fault.
- Comprehensive Coverage – Covers damage to your vehicle from non-collision events like theft, vandalism, fire, or natural disasters.
- Uninsured / Underinsured Motorist – Protects you if you're in an accident caused by a driver with little or no insurance.
- Medical Payments (MedPay) – Helps cover medical expenses for you and your passengers after an accident, regardless of fault.
- Roadside Assistance – Provides help for flat tires, dead batteries, lockouts, towing, and other roadside emergencies.
- Rental Reimbursement – Pays for a rental car while your vehicle is being repaired due to a covered claim.
- $0 Deductible Glass Coverage – Covers the full cost of repairing or replacing your windshield or windows with no deductible.
- Stated Amount Coverage – Ensures a vehicle is insured for a specific, agreed-upon value rather than its depreciated market value.
- Vehicle Warranties – Covers the cost of repairs for mechanical breakdowns and defects, separate from insurance coverage.
- Loan / Lease Gap – Pays the difference between what you owe on your loan or lease and the actual value of your totaled vehicle.