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                               Auto Insurance


Progressive Insurance Shedding Light On Car Insurance Savings


It can be easier than you think to put the brakes on high auto insurance rates – as an independent agency, Joy Insurance can help! We have teamed up with Progressive and can review your policy and possibly help you find a variety of illuminating ways to save money. Here are some things you may want to consider:


• Ask us to check several companies’ rates. This is the single most important thing you can do to get the best possible rate—and we can do it for you quickly and easily. The difference between the highest and lowest rate available to you from different companies could vary by hundreds of dollars. We represent the top insurance carriers such as Progressive and has access to Travelers, Metlife, Safeco, and Hartford some of the top insurance carrier in the world.


• Reduce or drop physical damage coverage on an older car. Depending on your car’s age and where you live, comprehensive and collision coverage may not be worth keeping. We can give you advice on whether it makes sense to reduce or drop this coverage altogether.


• Raise your deductible. According to the Insurance Information Institute, raising your deductible from $200 to $500 could reduce your collision and comprehensive cost by 15 to 30 percent. In addition, because the average driver files a collision claim only once every ten years, odds are that over the lifetime of your car, a higher deductible will save you money. We can show you how raising your deductible will lower your premium. Ask Joy Insurance to check your rates with Progressive.


• Look for discounts. Many insurance companies reduce premiums for certain driver traits or car features. For example: being a homeowner for more than three years, nonsmoker, nondrinker, students with good grades, senior citizens who have taken an approved defensive driving course, people who only drive for pleasure, cars kept in garages, antilock brakes, antitheft devices, air bags, etc. Ask us to check. Progressive have some of the top discounts and have lowered their rates even more to help Tennesseans get the best rates.


• Don’t assume having your car and home insured by the same company is the best option. Because auto insurance rates vary so much from company to company, it may make sense for you to have your car and home insured by separate companies. Let Joy Insurance evaluate your auto insurance rates with Progressive today.


To learn more about all an independent agency can offer you, call Joy Insurance.



*Some of the products we cover include:

Progressive Auto

Progressive Motorcycle/ATV

Progressive Boat/Watercraft

Progressive Recreation Vehicle

Progressive Commercial Auto

Progressive Motor Home

Progressive Travel Trailer

*If you need an insurance product that is not listed contact us via phone at 1-731-658-5005 or email us at

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