Southwestern Insurance Group

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Southwestern Insurance Group We provide seamless, first-class service while analyzing your unique needs to deliver the best insurance coverage at the best possible price

Filing a claim doesn’t automatically mean your rate will go up.It depends on the type of claim, what happened, your clai...
10/16/2026

Filing a claim doesn’t automatically mean your rate will go up.

It depends on the type of claim, what happened, your claims history, and how your insurance company sets rates. With car insurance, an at-fault accident is more likely to affect your premium than an accident you didn’t cause.

If you’re dealing with damage, check your deductible and talk with your agent about what your policy covers and what to expect from the claims process. At Southwestern Insurance Group, we can help you understand your options.

You’re at the rental car counter, and they ask if you want to add insurance. Do you need it?Your personal auto policy ma...
10/14/2026

You’re at the rental car counter, and they ask if you want to add insurance. Do you need it?

Your personal auto policy may already cover a rental car used on vacation in the U.S. The coverage generally follows what you carry on your own car: liability may cover damage or injuries you cause to others, while collision and comprehensive may cover damage to the rental car.

Before you decline the rental company’s options, check your deductible and ask whether your policy covers charges such as loss of use if the car needs repairs. If you’re renting outside the U.S., check separately because the rules can be different.

Give us a quick call before your trip to help you know what’s covered before you reach the counter.

Your friend needs to borrow your car for the afternoon. If they get into an accident, will your insurance cover it?Usual...
10/12/2026

Your friend needs to borrow your car for the afternoon. If they get into an accident, will your insurance cover it?

Usually, your auto policy can cover a licensed driver who has your permission to use the car. What it pays depends on the coverage you carry. For example, liability coverage helps pay for damage they cause to others, while damage to your own car generally requires collision coverage.

The bigger question is whether they drive your car regularly or live with you. In that case, they may need to be listed on your policy. An excluded driver may not be covered at all.

Before handing over the keys, ask your agent how your policy handles other drivers. At Southwestern Insurance Group, we can help you check.

If your house burned down, the number that matters is what it would cost to rebuild it today. That may be very different...
10/09/2026

If your house burned down, the number that matters is what it would cost to rebuild it today. That may be very different from what you paid for the house or what you could sell it for.

Check the dwelling coverage limit on your homeowners policy. Then ask your agent whether it reflects current labor and material costs, especially if you’ve renovated or added onto your home. It’s also worth asking whether your policy includes any extra coverage if rebuilding costs run higher than expected.

If you’re not sure what your policy would cover, Southwestern Insurance Group can review it with you before you ever need to file a claim.

Phones, laptops, power tools... how many rechargeable devices are plugged in around your house right now?This Fire Preve...
10/07/2026

Phones, laptops, power tools... how many rechargeable devices are plugged in around your house right now?

This Fire Prevention Week, take a quick look at where and how you charge those items. Use the charger that came with the device or one approved by its manufacturer, and charge it on a hard, flat surface rather than a bed or couch.

It’s also a good time to test your smoke alarms and make sure your homeowners coverage reflects what it would cost to rebuild and replace your belongings today.

A few minutes of checking now can make a difference. If it’s been a while since you reviewed your policy, Southwestern Insurance Group can help.

Having the state minimum is a starting point, but it may not be enough for an expensive accident.To figure out what fits...
10/05/2026

Having the state minimum is a starting point, but it may not be enough for an expensive accident.

To figure out what fits your situation, ask three questions:

- If I caused an accident, would my liability limits be enough to protect my savings and other assets?
- If my car were damaged or stolen, could I afford to repair or replace it?
- If the other driver had little or no insurance, what coverage would I have?

Your car’s value, your finances, and what you could comfortably pay out of pocket all matter.

At Southwestern Insurance Group, we can walk through your current policy with you and explain where you may need more coverage or where you may be paying for something you no longer need.

A lower car insurance bill sounds great. Finding out you gave up coverage you needed? Less great.Before changing your po...
10/02/2026

A lower car insurance bill sounds great. Finding out you gave up coverage you needed? Less great.

Before changing your policy, ask an independent insurance agent to check three things:

- Are you getting every discount you qualify for?
- Would a different deductible lower your premium, and could you comfortably pay it after a claim?
- Can another insurer offer a better rate for the same coverage and limits?

The cheapest quote isn’t always the best deal.

At Southwestern Insurance Group, we can compare your options and help you understand what you’re paying for.

Request a free policy review today: https://buff.ly/unu2fA2

Your driving record isn’t the only thing that can affect what you pay for insurance.In many states, insurers may also us...
09/30/2026

Your driving record isn’t the only thing that can affect what you pay for insurance.

In many states, insurers may also use a credit-based insurance score as one factor when setting rates for auto or homeowners coverage.

It’s not the same score a lender uses, but information from your credit history can still play a role.

Your rate may also be influenced by things like your claims history, vehicle, location, coverage limits, and deductible.

Since the rules vary by state, credit isn’t used the same way everywhere.

If your premium changes, it’s worth understanding all the factors that may be contributing to the cost.

When it comes to insurance, having the right coverage and a knowledgeable agent can make all the difference.Dana Kitchen...
09/28/2026

When it comes to insurance, having the right coverage and a knowledgeable agent can make all the difference.

Dana Kitchen works closely with clients to review their home and auto policies, answer questions, and make sure their coverage still fits their needs.

If you haven’t reviewed your insurance recently, it may be worth seeing what better options are out there.

Request a quote: https://buff.ly/odsFkkD

Newer cars come with more technology, and that can make them more expensive to repair.Features like cameras, sensors, ad...
09/25/2026

Newer cars come with more technology, and that can make them more expensive to repair.

Features like cameras, sensors, adaptive headlights, driver-assistance systems, and collision-avoidance technology are now built into parts of the vehicle that are commonly damaged in even minor accidents.

That means a repair that once involved replacing a bumper or windshield may now also require new electronics, specialized labor, and recalibration.

Those higher repair costs can play a role in what you pay for insurance.

If you’re shopping for a new vehicle, check the insurance cost before you buy.

Address

2451 Atrium Way
Nashville, TN
37214

Opening Hours

Monday 8am - 6:30pm
Tuesday 8am - 6:30pm
Wednesday 8am - 6:30pm
Thursday 8am - 6pm
Friday 8am - 5pm
Saturday 9am - 1pm

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