Merit Insurance of Tennessee

01/26/2026

01/25/2026

Freezing rain continues to impact our area, and we’ve begun to see issues with downed power lines, fallen trees, and tree limbs hanging on or near power lines. Please use extreme caution if you must travel. Stay alert for road hazards and avoid areas where power lines may be down.

Here are a few important safety tips:

-Stay indoors and off the roads if possible.

-Never touch or try to move downed power lines. Report them immediately.

-Keep flashlights, batteries, and warm blankets handy in case of power outages.

-Avoid parking under trees or near large limbs.

-If power goes out, use generators safely and never indoors or in enclosed spaces.

Our officers and emergency crews are working hard to respond to storm-related calls and ensure everyone’s safety. Let’s look out for one another and check on neighbors when it’s safe to do so.

We’ll get through this together, Mt. Juliet. Stay safe and warm.

01/24/2026

VERY CONCERNING PLEASE SHARE! Ice totals are growing as we are already seeing freezing rain in our southern counties! This will lead to severe impacts including making travel nearly impossible, downed trees, and power outages! Watch now for the latest! https://www.wkrn.com/weather-headlines/tn-forecast-snow-ice-freezing-rain-sleet/?utm_medium=social&utm_source=facebook_Danielle_Breezy

01/24/2026

Please stay home if you can. Road conditions will worsen tonight.
Share this with someone you know.

09/23/2025

We're all set up at the Mt. Juliet Chamber of Commerce Golf Tournament today!!

04/06/2025

03/31/2025

April is National Distracted Driving Awareness month! Let's all do our part and put the phones down while driving.

April is National Distracted Driving Awareness Month.

Texting while driving is the most dangerous form of distraction because it combines:
👀 Visual distraction
🖐️ Manual Distraction
🧠 Mental Distraction

01/10/2025

As the sun goes down, the roads get slicker. Stay safe!

10/21/2024

Josh & Don all set up at the golf tournament today to benefit St. Jude's Children's Research Hospital.

03/24/2024

We appreciate our customers! Thank you Paul for this 5☆ review!

02/21/2024

We are so thankful to be part of this community and proud to be part of our local Mt. Juliet Chamber of Commerce

10/31/2023

Insurance Rates: A Growing Burden on Consumers

Insurance is an important part of financial planning, but rising rates are making it difficult for many consumers to afford the coverage they need. According to a recent study by the Insurance Information Institute, the average annual premium for auto insurance increased by 15% in 2023. Homeowners insurance rates increased by 10% over the same period.

There are a number of factors contributing to rising insurance rates, including:

Increased claims costs: Insurance companies are paying out more for claims due to a number of factors, including inflation, rising repair costs, and more severe weather events.
Reinsurance costs: Insurance companies purchase reinsurance to protect themselves from large losses. The cost of reinsurance has increased in recent years due to increased demand and limited supply.
Investment losses: Insurance companies invest a portion of their premiums to generate income. These investments have performed poorly in recent years, which has led to lower profits and higher insurance rates.
Rising insurance rates are causing a number of problems for consumers. Many consumers are struggling to afford their insurance premiums, and some are being forced to drop coverage altogether. This can leave consumers vulnerable to financial hardship in the event of an accident or other covered event.

In addition, rising insurance rates are making it more difficult for consumers to buy homes and cars. Lenders typically require borrowers to have homeowners insurance and auto insurance, respectively. Rising insurance rates can make it more difficult for borrowers to qualify for a loan or afford the monthly payments.

Governments and regulators are taking some steps to address the issue of rising insurance rates. For example, some states are requiring insurance companies to offer discounts to safe drivers and homeowners. However, more needs to be done to help consumers who are struggling to afford their insurance premiums.

Here are some tips for consumers who are struggling to afford their insurance premiums:

Shop around for the best rates. Compare quotes from multiple insurance companies before you purchase coverage.
Raise your deductibles. A higher deductible means that you will have to pay more out of pocket if you file a claim, but it will also lower your monthly premiums.
Take advantage of discounts. Many insurance companies offer discounts for safe driving, homeowners, and bundling multiple policies.
Consider dropping unnecessary coverage. If you have a car that is worth less than the cost of repairs, you may want to drop collision and comprehensive coverage.
If you are struggling to afford your insurance premiums, you should also contact your state insurance commissioner's office. They may be able to help you find affordable coverage or provide other assistance.