Watercraft Insurance

Did you know?

As an independent agency, Bob Johnson Insurance can help you find the right coverage from the right company for your boat or other watercraft.

Insuring a boat is different than insuring a car or home. Boats require specialized coverages. To avoid a sinking feeling about your boat insurance, consider these tips from the experts at The Progressive Group of Insurance Companies:

Better Boating
Tips For Smooth Sailing This Season

Before you take that first pleasure cruise or fishing trip of the season, make sure your boat insurance is shipshape.

Insuring a boat is different than insuring a car or home. Boats require specialized coverages. To avoid a sinking feeling about your boat insurance, consider these tips from the experts at The Progressive Group of Insurance Companies:

Evaluate your specific needs. 
Some insurance companies provide no-frills boat coverage that is simply added to an existing auto or homeowners policy. While this sounds good in theory, the reality is that your boat may be best covered if you seek out a specialized policy just for boats, not an add-on to your car or house policy. A knowledgeable, independent insurance agent will review all options with you. A specialized boat policy can cover things not likely covered by a homeowners policy, like the cost to replace lost or damaged fishing gear and costly services, such as emergency on-water towing and fuel-spill cleanup. 

Consult an agent or broker who provides the most options. 
Unlike “captive” agents who represent only one company, independent agents and brokers represent several. They can offer a variety of coverages, review and evaluate your policies, answer your questions and suggest new coverage options that meet your changing needs. They guide you to the policy that provides you with the best combination of specialized coverage, service and price.

Look for a company that offers specialized boat policies. 
When there’s a claim, you will appreciate a company that provides specialized coverage and specialized claims handling. Ask other boaters what company they recommend or find an independent insurance agent who under-stands boat policies.

Once you choose a policy, make sure you understand what you’re buying. 
Your agent should be able to explain, in layman’s terms, what the different options mean. If you are unclear about something, be sure to ask for an explanation.

For more information about boat insurance coverages, talk to an independent insurance agent, who can provide you with the combination of price, coverage and service that’s right for you.

Would you like to know more?

If you have other questions, we are glad to answer them. Click here to use our contact form.  If you would like a boat insurance quote, please click here.

Insurance for your Classic Car

grandfather and grandson cleaning restored classic car

Did you know?

If you have a classic that’s been collecting dust because you haven’t wanted to pay for the insurance, you have low-cost insurance options to get it on the road. Get a competitive classic car insurance quote.

If you own a “classic” car, which could be considered anything over about 25 years old, you could save money on your car insurance by buying specialized classic car insurance.

There are two ways to find insurance for your older vehicles. The first is to check with your current insurance company to see if they have a rating classification for classic or antique autos. This rate will be significantly less than a pleasure use rate, but it may also come with some mileage or usage limitations.

The other way to insure your classic car is to use an insurance company that specializes in insuring restored vehicles. Their policies have unique coverages that may not be available with an ordinary car insurance policy. Here’s a breakdown of some of the categories of classic vehicles for which you might want special coverage:

  • Antique & Classic Cars – Consist of stock vehicles built from the turn of the century through approximately 1969. Examples include a 1957 Ford Thunderbird, 1901 Oldsmobile and a 1930 Model A.
  • Exotic and Special Interest – These are rare or limited production vehicles such as specific models of Lamborghini, Ferrari and Dodge Vipers.
  • Lowriders – Cars modified with hydraulic or air bag suspension systems can often be insured as classic cars, but underwriting guidelines are strict.
  • Modern Classics – These are vehicles of modern production that are considered collectible such as a 1976 Chevrolet Corvette, a 1978 AMC Pacer or a 1979 Trans Am T-Top.
  • Motorcycles and Scooters – Motorcycles are becoming increasingly expensive and thus collectible. Examples of motorcycles insurable as collectibles are a 1948 Indian Chief and a 1952 Harley Panhead.
  • Muscle Cars – Typically late 1960’s and early 1970’s U.S. models that include larger V-8 engines. Examples include a 1969 Chevrolet Camaro, 1970 Dodge Charger and a 1970 Plymouth Barracuda.
  • High Quality Replicas – The are home-built or professionally constructed replicas of older vehicles.
  • Street Rods – Street rods include vehicles that have been extensively customized for performance. Examples include a 1932 Ford Highboy or a chopped 1951 Mercury Coupe with custom paint.
  • Trucks or Pick-ups – Older models of trucks can be insured as a classic vehicle just as a car can be. Examples include a 1922 Model T Truck, a 1951 Chevy Pickup or even a 1975 Ford Pickup.
  • Vehicles Under Active Restoration – Even if you haven’t gotten the primer and paint complete, you can insure your classic while being restored.

Advantages of Classic Car Insurance

The typical classic car insurance policy offers better coverage at a reduced premium than a typical auto insurance policy. This is due to the fact that most classics are not driven as much or under the same circumstances as your regular vehicles. The policies may allow only a certain number of annual miles driven, but the return is a greatly reduced premium for insuring your classic car.

Typical benefits of the classic car insurance policy include:

  • Lower premiums
  • Agreed value coverage – this means your car is insured for a specific value that you will be paid in the event of a total loss
  • No deductible – many classic car policies do not have a deductible, so you will not have to pay anything out-of-pocket in the case of a claim

If you have a classic that’s been collecting dust because you haven’t wanted to pay for the insurance, you have low-cost insurance options to get it on the road. Get a competitive classic car insurance quote.

Auto Safety Test: Check Your Tires

car on asphalt road on summer day at park

Did You Know?

Tires are one of the most important — and oft-overlooked — components of our cars. Tires are the only thing that attach our cars to the road, and tire problems affect your car’s ride comfort, handling and safety. If they’re near bald and out of balance driving can be dangerous. Here are some simple tire safety tips to help keep you and your car’s occupants safe.

Check your tire pressure regularly.

Tires tend to lose air over time. Buy a digital tire gauge and check your tires once a month and before a long trip. Proper inflation pressures can be found in your owner’s manual or on a sticker on the car (usually on the driver’s doorjamb or fuel-filler lid) Remember to check tire pressure only after the car has been sitting for several hours in order to ensure that the tires are cold — the friction of driving heats the tires and increases pressure, which can hide an under-inflated tire.

Address under-inflated tires immediately.

An under-inflated tire has more rolling resistance, which increases fuel consumption. It also creates more heat, which can lead to tire failure.

Make sure you have good tread on your tires.

Since you are already down beside your tires when you are checking your tire pressure, take that time to look at the tread for signs of damage, bubbles, cracks or baldness (areas that are smoother in one place or another). One easy test is a penny check. Put a penny in the groove of the car tire to see if I can see all of Lincoln’s head. If you can, then it’s time for new tires.

Rotate and balance your tires regularly.

Consider rotating your tires every 5,000 miles which should help your tires to wear even.

Keep your tires aligned properly.

Tires should be aligned on a regular basis, especially if you have hit a curb or two. Tires that are out of alignment can wear unevenly. To check for alignment rest hands lightly on steering wheel while driving, it should stay in a straight line and not drift to the right or left.

Do you need an auto insurance quote?

Click here to let us provide you with a competitive quote for your auto insurance. As an independent insurance agency, we can check several companies for you to find you the best rate possible.

Why should you choose an independent insurance agent over online insurance?

Ben Johnson of Bob Johnson Insurance in TN

Did you know?

Online insurance companies cannot provide you with the personalized attention and answers that you will receive from an independent agent who is working in your best interest to help you find the best coverage at the best price for what you need.

What coverage is best for your house? What about those special additions or situations that need extra attention? What can you do to decrease the rate of your homeowner’s insurance?

The situation is the same for your car. Are you sure that you are getting all the discounts to which you are entitled? What can be added or what can you do to reduce your premium?

What you get with an independent agent

Answers to these questions are all readily available and easily accessible through your independent insurance agent via phone, fax, email or even a visit to their office where a real person can help you. They are working in your best interest to help you find the best coverage at the best price for what you need.

What you miss with online insurance

With online insurance, everything is up to you, what you know, and how much time you have to search for answers. Sure, all your options may be available right in front of you on the screen, but which is the best for you and your situation? How do you know if you chose the correct or enough coverage? With online insurance, there is a good chance that you may not know for sure.

Getting answers from a live person who is working for you

If you want answers to your questions, you still have to contact someone. With online insurance, many times you have to use their online services (contact form, online, etc.). They may have a phone number to call, but it’s a rather impersonal process, and you do not know that they have your best interests at heart. The person you get may simply be working from a computer screen and not actually have the depth of knowledge to help you make the best decision.

With an independent agent, you can get quick, reliable answers from a person you know is working in your best interest. They are knowledgable and can help you make the best decision possible.

The bottom line

The bottom line is that, with an independent insurance agent, you get face-to-face, personalized service from an experienced agent you know you can trust.

Can we help you?

We would love to answer any questions you may have or to provide a quote for you. For questions, please give us a call at 865-922-3111 or click here and fill out our contact form. One of our experienced agents will contact you as quickly as possible.  If you prefer, you can click any of the links under “Quotes and Information” to receive a free quote.

What You Need to Know About Auto Insurance of College Students Away From Home

Coverage without a car at school

If the student will continue to drive while at home on school breaks, they should continue to be listed on an insured’s auto policy.  If they are attending school more than 100 miles from home and are not taking a vehicle with them, the policy may qualify for a  distant-student discount.

Coverage with a car at school

In most instances, a car registered to the parent and listed on their policy will be covered if used by a listed student away at school.  However, insureds should make sure that their insurance carrier writes coverage in the college’s state and location.  It’s important for agents to know if the insured’s child is taking a car, because the principal location of the vehicle could result in a change in premium.

Driving a friend’s car a school

Students generally would be covered while driving a friend’s car if they are listed on their parents’ policy and do not have regular use of the vehicle.  The coverage would likely be secondary in this case, as the carrier for the friend’s vehicle likely would be the primary coverage.

Coverage discounts

In addition to the possible distant-student discount mentioned above, students may qualify for a good-student discount.  To qualify, a student must be enrolled in at least four courses per term as a full-time student at an accredited college or university and meet certain academic qualifications.  Also, drivers under the age of 21 who complete a driver education course my be eligible for a policy discount.

The Benefits of an Independant Insurance Agent

Ben Johnson of Bob Johnson Insurance in TN

Did You Know?

Unlike captive agents, independent agents and brokers can offer products from many insurance companies. This helps them better serve your interests, as they can review multiple options to find a policy and rate that’s right for you. Keep reading to learn more.

Are All Insurance Agents The Same?

To get the best deal on insurance, many people consult an insurance agent or broker. But did you know that there are different kinds of insurance agents and brokers — and the one you choose can make a big difference in the type of service you get and the choices you’re offered?

The difference lies in whether you have a Captive Agent/Broker or an Independant Agent/Broker.

Captive agents and brokers.

Captive agents work with a specific insurance company, and as part of their business agreement with that company, they can offer only that company’s insurance products. They may also be required to sell other products from that company, such as annuities and investment plans.

Independent agents and brokers.

Independent agents and brokers can offer products from many insurance companies. This helps them better serve your interests, as they can review multiple options to find a policy and rate that’s right for you. Insurance rates vary from company to company. Independent agents can put together a customized insurance plan.

If you’re ready to contact an independent agent to talk about saving money on car insurance, here are a few things to consider:

Has your life situation changed recently?

Many factors determine auto insurance rates, not just vehicle year, make, model, body type and engine size. If you’ve recently moved, gotten married, had a birthday or experienced a similar life milestone, mention this to an independent agent or broker. You may be eligible to save money on your car insurance.

Is your car getting older?

You don’t always need the same level of physical damage coverage on older cars as on newer ones. If you drive an older car, an independent agent or broker can advise you on what level of cover-age makes the most sense. Raising your deductible could save you money each year, too.

Do you have another type of vehicle that also needs coverage?

If you have a motorcycle, boat, RV or other “toy,” you might save money by having it covered by the same company that insures your car. Talk to an independent agent or broker about it.

Would you like a plan custom tailored to your needs?

Another plus to working with an independent agent or broker is their ability to offer guidance for all your insurance needs—auto, home, life, business and more. They can customize a package of policies just for you.

Would you like to know more?

If you would like more information about Bob Johnson Insurance, please click here and use our contact form. We would be happy to answer any questions that you might have about our agency, insurance, or options available to you.