Auto Insurance Made Easy

Be prepared with the right coverage before you need it.

Understanding insurance can often be like trying to learn a foreign language. Many find it confusing and intimidating.

Fortunately, there’s help. Here is a quick reference designed to help you understand some of the most common kinds of coverages. The reference was put together by The Progressive Group of Insurance Companies.


Liability covers bodily injury and property damage (BI/PD). This covers your legal liability, up to the dollar limits you select, for damages caused to others in a covered vehicle accident. In most states today, liability insurance is mandatory.

Under BI/PD, your insurance company pays for damages to an injured person and for property damage that you are legally obligated to pay as a result of an accident. If your policy covers you in the event you’re sued after an accident, your insurance company will pay for a lawyer to defend you.

Liability limits generally appear as three numbers, for example, 25/50/25 or 100/300/100.

  • The first number refers to the maximum amount, in thousands, that your insurance company is obligated to pay for bodily injury per person.
  • The second number is the maximum that would be paid out for bodily injury per claim.
  • The third number represents the maximum amount your insurance company is obligated to pay for property damage you cause.


When you buy collision coverage, your insurance company pays for damages if your vehicle collides with another vehicle or object. Collision coverage involves a deductible amount you select when you purchase your policy. This amount is what you are required to pay before your insurance company starts picking up the tab. Remember, the deductible amount is the amount you need to pay in the event of a claim.


Comprehensive covers damage caused by events other than a car collision such as fire, theft, vandalism, hail or flood. It also covers damage caused by your vehicle colliding with an animal. And if your car is stolen, it will cover the cost of a rental, subject to a daily limit. Like collision coverage, a deductible usually applies.

Medical Coverage

Depending on the state in which you live, you may have available to you Medical Payments coverage or Personal Injury Protection (PIP) coverage. While these both work differently, they provide coverage for medical care provided to you as a result of a car accident.

Four Questions to Get the Right Auto Insurance

Ben Johnson of Bob Johnson Insurance in TN

Using the right tool for a job is key to success in any profession. Experts say the same principle applies when selecting an auto insurance policy. Having the right type of policy can help ensure that you, your employees and your business are all protected in the unfortunate event that one of your vehicles is involved in an accident.

If you’re a business owner and you or your employees use a vehicle for business-related deliveries or to carry certain materials to and from a job site, you may need a commercial auto insurance policy that’s tailored to more closely suit the needs — and risks — of a business vehicle operator.

Here are some questions that can help you determine if you might need a commercial auto policy instead of a personal auto policy.

1. Do you need more liability coverage than your personal auto policy provides?

Generally, a commercial auto policy provides higher limits of liability, but less or no coverage in areas that are typically not associated with commercial auto risks.

2. Do you need special coverage for situations associated with con-ducting business?

Commercial auto policies also usually offer certain coverages — such as hired and non-owned auto coverage and coverage for towing a trailer for business use — that are not available with personal auto policies.

3. Do you need to list any employees as drivers?

You can do this with a commercial auto insurance policy.

4. Do you use your vehicle for business purposes?

If you use your vehicle for things like pizza or newspaper delivery, catering, door-to-door consulting service, landscaping or snowplowing service, logging business, day care/church retreat van service and/or farm-to-market delivery, you might need a commercial auto policy.

Bob Johnson Insurance, Inc. is an independent insurance agency — trained, licensed insurance professionals who offer personal service and advice. We can help match you with the type of policy that best suits your needs and those of your company.

Do you have an insurance question or would you like more information about which coverage is right for you?  Click here and fill out our contact form or give us a call at 865-922-3111.

Have you considered Safeco as your Insurance Company?

Ben Johnson of Bob Johnson Insurance in TN

“Safeco Gave Us Everything We Needed”

Hopefully you will never have the same type of experience as the family in the video above.

However, if you do, you definitely want to have an insurance company who is ready, willing and able to help you. Safeco is just such a company.

Who is Safeco?

Safeco has insured drivers and homeowners through its network of independent agents and brokers since 1923. Safeco Insurance is a Liberty Mutual Agency Corporation company and a member of Liberty Mutual Group. In business for more than 95 years, Liberty Mutual Group is a Fortune 100 company and the fifth-largest property and casualty insurance company in the country.

Liberty Mutual is also rated “A” (Excellent) by A.M. Best Company, an independent firm that rates the financial strength and performance of insurance companies. An A is one of the highest ratings and means you can trust the stability and endurance of Safeco.

Products That Fit Your Life

Safeco offers a wide variety of personal insurance products for you and your entire family, including auto, home, umbrella, watercraft and more. The Safeco Package – which bundles your auto and home coverage together – offers the best combination of savings, convenience and coverage available.

Excellent Customer Service

Safeco offers 24/7 toll-free service for policyholders as well as online policy access at Safeco’s My Account where you can:

  • pay your bill
  • track your claims
  • view policy documents
  • print new insurance ID cards
  • update your name, address and more

Would you like to know more about Safeco or any of the other insurance companies represented by Bob Johnson Insurance?

We are happy to provide answers 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 would like a quote, please click here. One of our experienced agents will view your information and contact you to make sure you receive a quote for the insurance that best fits you and your situation.

How to Get the Best Rate on Motorcycle Insurance

the view over the handlebars of a speeding motorcycle

How about some other tips! If you want to get the best insurance rate for you, consider some of the major factors that will be considered.


Did you know?

Safeco Insurance Company offers motorcycle & ATV insurance.  Safeco offers discounts for belonging to rider clubs, completing a certified safety course, and having additional policies with Safeco.  Also Safeco’s claim service is fast, fair, hassle free, and available 24 hours a day, 7 days a week.

Consider the Company

Name your ride, and we probably cover it!

As an independent insurance agent, Bob Johnson Insurance can offer you options from multiple companies so that you can choose the best coverage with the benefits you want.

For example, Safeco covers some categories many insurers don’t. They also offer special discounts for belonging to rider clubs, completing a certified safety course, or multiple lines of coverae. Just in case something does happen, Safeco offers hassle-free, 24-hour claims service.

Getting the best rates for your motorcycle or atv

Consider Your Ride

Your Bike: Newer, flashier bikes cost more than older, basic motorcycles.

Your Age: Just like auto insurance, rates usually decrase as you become older. Be aware though that being new to motorcycles can sometimes affect your rate category until you are more experienced.

Your Address: Living in high crime or accident areas can sometimes influence your rates.

Your Driving History: All accidents count — even auto accidents. The cleaner your driving record, the cheaper your insurance will be.

Your Job: Where you are driving to and parking your bike may influence your rate. For example, parking daily on a construction site may increase your rates.

Consider Other Factors for saving money on motorcycle insurance rates

Secure Your Bike: By keeping your bike more secure (keep it in the garage, alarm it, etc.) you may find additional discounts. We can help you find them.

Don’t Over insure: Your motorcycle is only worth market value. If something happens to it, that’s what you will receive. Overinsuring will not get you more money. We will help you choose the coverage that is right for you.

Mileage: Keeping your mileage low sometimes helps keep your rates the same way — low.

Special Motorcycle Training: Many insurance companies offer discounts when you take a special DMV or other motorcycle classes. We can help you find those discounts.

Would you like more information or a free quote?

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 would like a quote, please click here.  One of our experienced agents will view your information and contact you to make sure you receive a quote for the insurance that best fits you and your situation.