Phil Nichols
2809 Western Rd
Knoxville, TN 37938-3428
Phone: (865) 922-9658
Phil Nichols is dedicated to protecting Knoxville residents with at a price you can afford with professional service. Call (865) 922-9658 for risk-free insurance quotes or stop by at 2809 Western Rd. Servicing Knoxville and the entire Knox county region.
Searching for insurance agents in Knoxville, Tennessee or just trying to save money on insurance? These tips may help.
- Phil Nichols may be able help you with your insurance needs in Knoxville. Professional agents are trained to find deficiencies in insurance coverages and protect your assets against loss.
- Knoxville auto insurance can be very expensive if you're driving newer vehicles, have a poor driving record or have files many claims in the past. Some issues like poor credit cannot be immediately corrected, but you can take some steps that will immediately reduce your insurance rates such as raising your deductibles.
- Knoxville home owners can reduce their insurance premiums simply by raising their insurance deductible. A deductible is the amount of money you pay out-of-pocket when you have a homeowners insurance claim. By agreeing to pay a higher amount, your insurance company will reduce your homeowners insurance premium. As long as you don't have frequent claims, the savings on your lower premium could add up to more than the additional deductible you have to pay at claim time.
- Longevity pays off. If you have a tendancy to jump around between insurance companies, you may be costing yourself money. Many Tennessee insurance companies reward insureds for staying with them over time. The longer you stay, the bigger discount you may see.