Memphis Auto Insurance

As a Memphis car owner, you may drive all over the state or even the nation. But when it comes to protecting your car and yourself, your best option is to get your Memphis auto coverage right here. In Memphis.

And when you’re looking for Memphis car insurance, there’s no better one-stop solution than Lofton Wells Insurance.

Here’s why:

• You're directly connected with a local agent, who's your neighbor, who'll be here when you have questions or need support.
• As an independent agent, we're not tied to any single insurer. We work with all the leading reliable insurers. This is crucial because different insurers may charge different amount for exactly the same type of coverage.
• That means we can shop around for the most competitive rates for you, saving you time and money. That's important because car insurance rates in Memphis are higher than many state and national averages.
• We have the experience and expertise. Lofton Wells has been reliably providing Memphis auto insurance for more than 32 years.
• We have the reputation. Many of our clients have been with us for a long time. They know they can count on us for honesty, integrity and friendly customer support.
• We know the Memphis car insurance marketplace, the particular risks you might face, and how you can secure the best discounts. For example, if you have more than one policy with the same insurer, you may be entitled to a significant discount.
• We can even tell you which are the cheapest cars to insure and how you might be able to reduce your rates still further by improving your auto security.

• We have the reputation. Many of our clients have been with us for a long time. They know they can count on us for honesty, integrity and friendly customer support.
• We know the Memphis car insurance marketplace, the particular risks you might face, and how you can secure the best discounts. For example, if you have more than one policy with the same insurer, you may be entitled to a significant discount.
• We can even tell you which are the cheapest cars to insure and how you might be able to reduce your rates still further by improving your auto security.

Car insurance is a legal requirement in Memphis, as it is pretty much everywhere in the US. But the law only calls for liability protection -- that is damage and injury you (or your driver) cause to other vehicles and people.

But this won't protect you and your auto. For that coverage, you need one or both of two other types of car insurance in Memphis:

• Collision insurance protects you for damage to or total loss of your car. This may also include the cost of a replacement rental vehicles while your car is in the shop.
• Comprehensive insurance pays for damage or total loss of your vehicle caused by something other than a crash -- vandalism, theft, or fire for example.

Whether you need these coverages may depend on the value of your auto. We can advise you on this.

In Memphis, auto insurance can also provide coverage for:

• Medical costs for you and your passengers regardless of who caused the accident.
• Breakdown coverage.
• Memphis uninsured driver insurance, which covers you if an at-fault driver has no or insufficient insurance, or if, for instance, you're the victim of a hit and run. Uninsured coverage is a legal requirement in many states but not in TN.

Lofton Wells can usually also arrange Memphis auto insurance for high-risk and young drivers, and for owners of antique and collectible vehicles.

Are you a new driver looking for your first car insurance? Or maybe you bought new wheels and are wondering if your present insurer is offering the best deal. Or perhaps you're just curious to know how your current car insurance in Memphis compares with other rates locally.

Whatever your reason, Lofton Wells has the solution. What's more, we're happy to review your existing coverage or obtain one or more new quotations without cost or commitment. We're so convinced we can secure some of the lowest rates around -- though we caution against rock-bottom cheap policies, which often won't provide the reliable coverage you really need.

Contact us now for fast answers and immediate coverage. No more worries for you.