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Protecting What Matters Most
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As a family-owned insurance agency based near Chattanooga, we shop multiple carriers to find the best auto insurance coverage for local drivers. We serve Hixson, Chattanooga, and surrounding areas within a 100-mile radius.
Who We Help with Auto Insurance
We are able to help a variety of people with their auto insurance coverage. Wheather you are a single driver, a family looking to bundle coverage, or a business owner looking to protect your company we have insurance solutions tailor to fit your specific needs.
Families in Tennessee, Georgia, and Alabama
Multi-Car Households or Clients Looking to Bundle Home & Auto
Business Owners
FAQs
Auto Insurance FAQs
How much auto insurance is required in Tennessee?
Tennessee law requires drivers to carry minimum liability coverage of $25,000 for bodily injury per person, $50,000 per accident, and $25,000 for property damage. While these are the legal minimums, many drivers choose higher coverage limits for better financial protection in the event of a serious accident.
Can you shop multiple carriers for better rates?
Yes! At Southern Insurance, we compare quotes from multiple trusted insurance carriers to help you find the best coverage at the most competitive price. This allows us to match you with a policy that fits both your needs and your budget.
Do insurance rates differ in Chattanooga vs. rural areas?
Insurance rates can vary based on location. Drivers in more populated areas like Chattanooga may see different rates than those in rural areas due to factors such as traffic density, accident frequency, and theft risk. We shop multiple carriers to help you find the best rate no matter where you live.
Can I bundle auto and home insurance?
Absolutely. Bundling your auto and home insurance policies can often qualify you for significant discounts. It also makes managing your coverage easier with one agent and one combined policy package.
How quickly can I get a quote?
In most cases, we can provide a personalized auto insurance quote in just a few minutes. Simply contact our team online, by phone, or in person, and we’ll handle the shopping for you so you can get covered quickly and confidently.
What factors affect my auto insurance rate?
Your rate is based on several factors, including your driving history, age, vehicle type, location, credit profile (where applicable), and coverage selections. Safe driving and choosing the right coverage options can help lower your premium.
Do you offer coverage for new drivers?
Yes. We work with a wide network of carriers that offer options for new drivers and those with past claims or violations. Our goal is to help everyone find reliable coverage.
What types of auto insurance coverage do you offer?
We offer a full range of coverage options, including liability, collision, comprehensive, uninsured/underinsured motorist, medical payments, and roadside assistance. Our agents can help you customize a policy that fits your needs.
Can I switch my auto insurance at any time?
Yes, you can switch your auto insurance policy at any time. Our team will help ensure a smooth transition so there are no gaps in coverage when moving from your current provider.
Will my insurance cover rental cars or roadside assistance?
Yes, many policies can include optional add-ons like rental reimbursement and roadside assistance. We can help you select these coverages so you’re protected during unexpected situations like breakdowns or repairs.
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Don't let anything slow you down.
Auto insurance is a breeze with Southern Insurance Associates. We keep Chattanooga moving with the best rates and service in town. No need to endlessly search for the best auto rates online. Leave the hard work to us. Be confident in you insurance coverage, get insurance from the experts at Southern Insurance.