+ About Nashville Insurance Services

What does Nashville Insurance Services do?

The insurance industry is incredibly competitive. We have relationships with some of the best insurance companies (Carriers) in the industry. This allows us to take advantage of the competition between companies. They want your business and often times the carriers that don't win on advertising are able to win you over on price. Our brokers also have decades of combined experience in the insurance industry and have the knowledge to know what you need and the best place to get it. We provide our services to both personal and commercial clients in the states of Tennessee, Kentucky, Ohio, and Indiana.

What makes Nashville Insurance Services special?

We are an Independent Insurance Agency, which means our clients have an extensive number of exclusive and customizable insurance options available to them. We work with a number of insurance companies (carriers) that offer their products and services exclusively through the independent agency channel. This means we can likely provide you with quotes you won't be able to get online.

What types of insurance do you offer for individuals?

We offer Auto, Home, Renters, Condo, Umbrella, Motorcycle, RV, and Life Insurance. There are also significant discounts available for packaging multiple policies (ex. Auto and Home/Renters) with a single company that our brokers can help you take advantage of.

What types of insurance do you offer for businesses?

Our partnerships with multiple commercial carriers allow us to find competitive coverage for a wide-array of business types and sizes. Please contact us to discuss the customized insurance needs for your specific business.

How is Nashville Insurance Services different from other websites promising to compare quotes?

Most quote comparison sites on the web today are lead generation tools that sell your information. We strive to build long-lasting relationships with our clients and hope to remain your trusted insurance broker for life. We will never sell or share your data and we don’t spam our customers.

How can I contact Nashville Insurance Services if I have any questions?

You can reach out to us here anytime or give us a call at (615) 953-7763. If you request a quote with us, we will also assign you a personal advisor that you can contact directly.

+ Our No Fee Guarantee

Are there any additional fees for your services?

Quoting with Nashville Insurance Services is completely free. There is no obligation to purchase a policy after receiving quotes from us and we will never charge you any additional broker or service fees beyond the cost of your insurance policy.

How much can I save with Nashville Insurance Services?

It depends on your specific situation, but we are able to find a lower rate for a large majority of our clients and we recently saved one family $1,824/yr and increased their coverage to better protect their needs.

If your services are free to use, how does Nashville Insurance Services make money?

We work with a number of different insurance companies all competing for the business of our clients. When we place a client with one of these companies, they pay us a commission on the policy. It is important to note that we do not discriminate between companies and when we present your quotes, we will always recommend the policy that provides the most value no matter what.

Do I pay Nashville Insurance Services directly when I purchase a policy?

No, you will purchase the policy through us but you pay the insurance company directly via bank account, credit card, or mortgage bill. We do collect your payment information so that we can submit it to the insurance company to pay for your policy if you decide to switch, but we will never take money from you directly or charge any additional fees.

+ Quoting With Nashville Insurance Services

How do I request a quote from Nashville Insurance Services?

Depending on what kind of insurance you’re looking for you can submit one of our many quote forms found here. If we don’t have a quote form for the type of insurance you’re looking for, you can leave us some information here and a member of our team will reach out to get you started.

How does the express quote form work?

Recent advances in technology allow us to pull relevant information about your policy using only your name, DOB, and Address. Disclaimer: This process only works if you have at least 6-months of prior continuous insurance. The information we receive will be vin #’s on all of your vehicles, your DL #, your liability coverage limits, other coverages on your policy (comprehensive, collision, rental reimbursement, etc.), and the names of any other people listed on your policy. What we won’t receive are the DOBs and Drivers License #’s of any additional drivers or your current deductibles, so a member of our team will reach out for that information if applicable. We will also reach out to confirm any above information we find. If you have all of that information readily available or you don’t have 6-months of prior continuous insurance, we encourage you to use our standard auto quote form, which will allow you to bypass our information confirmation process.

How long does it take Nashville Insurance Services to provide a quote comparison?

While we’re very tech-savvy, finding the absolute best personally tailored insurance policy and rates still requires a human touch. Quotes for most types of insurance should be done within 1-2 business days.

Will comparing quotes affect my credit?

Most insurance companies will do a soft credit check as part of their approval and rating process. This soft inquiry will not affect your credit score or show up on your report. The great news is if your credit has recently improved it is very likely we will be able to find you a cheaper rate.

What is an insurance declarations page, and why should I provide it?

A declarations page is a summary of your policy that shows the different coverages and limits included with your policy as well as your total premium. Your declarations page can commonly be found when you log into your current insurance provider’s website and is sometimes referred to as the “dec page” or “information page”. Providing us with this page can help us make sure we are getting you exactly the same coverage (or better) and can also help with various insurance company underwriting requirements.

+ Switching Policies

Can I switch my insurance to a cheaper option anytime?

Yes, you can switch insurance companies anytime. Insurance companies are required by law to refund you any “unearned premium” on a pro-rated basis at the time of cancellation. For example, if you paid for a full year ahead of time and then cancel your policy 2 months in, the insurance company would refund you around 10/12 of your original premium. Some companies charge a small early termination fee on your returned premium, but more often than not, your savings will outweigh the potential charge. Talk to your NIS Advisor about your individual situation.

How will I receive my new ID Card for proof of insurance?

Your new insurance company will send you a copy, but we will also send you your ID Card by email when we send over your application to eSign. Many of our insurance company partners also offer great apps that allow you to access your ID card and manage your policy from your smartphone.

Who do I contact if I need to report a claim or have a question about my coverage?.

For claims, we encourage you to contact your insurance company directly, this is because they will require numerous details about the claim that are better if they come directly from you. We do however provide claims advocacy for our clients if you feel the claim is not moving along properly. You can find links and contact information for your company on our Carrier Information tab. For questions about your coverage, you can call us at (615) 953-7763, contact your advisor directly, or submit a contact form and we will be happy to help.