H B Cowan & Co
710 N Brittain St
Shelbyville, TN 37160-3448
Phone: (931) 684-3323 | Fax: (931) 684-0907
H B Cowan & Co provides residents of Shelbyville with advice and guidance to help them meet their insurance needs. Call (931) 684-3323 for a no obligation quote or stop by at 710 N Brittain St. Servicing Shelbyville and the entire Bedford county region. Visit our website anytime for more information.
Looking for insurance agents in Shelbyville, TN or just trying to lower your premiums? These tips may help.
- A local insurance services provider like H B Cowan & Co can help you determine the proper coverages for your personal situation. Licensed Tennessee insurance agents are trained to find possible coverage gaps in your insurance plan.
- Your Shelbyville car insurance rates could be decreased considerably by increasing your collision and comprehensive or 'other than collision' insurance deductibles. Should you have an automobile accident or your vehicle receives damage in a hail storm you'll be forced to pay more to have the hail damage repaired, but larger insurance deductibles mean less premium every year plus your cost savings may possibly more than replace the increased expense at claim time.
- Shelbyville property owners are able to reduce their insurance costs by simply increasing their insurance policy deductible. An insurance deductible is how much money you have to pay out-of-pocket once you have a home insurance claim. By agreeing to pay an increased amount of your own money, your insurance provider will lower your home insurance premium. Providing you don't have regular claims, the cost savings on the reduced premium will soon add up to a lot more than the extra insurance deductible you have to spend at claim time.
- Consider taking a driver training course. Many car insurance companies will give you a discount if you've completed a defensive driver course in Tennessee. Check with your Shelbyville agent to find out if that discount exists with your current company.