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If you ve ever tried to purchase Tennessee low cost car insurance, you re probably aware of the impact your credit score has on policy-underwriting and rate-determining procedures. While there are a few restrictions auto insurers have when it comes to using your credit score (an insurer can t, for example, take action against you based on your score), it s no secret that having a decent score increases your chances of finding affordable car insurance in Tennessee.

Making repairs to your credit score will help you get Tennessee low cost car insurance, and we ll even help get you started. Take these five tips into consideration.

Obtain your credit report(s). America s top credit bureaus are Equifax, Experian and TransUnion. Order a credit report from each bureau as information tends to vary from report to report.
Study your credit report(s). Study each report and take note of both correct and incorrect information. If your report includes incorrect negative information, your chances for (more...)

Whenever I conduct a workshop or give a talk to a group of agents, I ask how many of them are in the business of selling insurance. Inevitably about 25% raise their hands. My response to them is, “If you re in the business of selling insurance you ll have a hard time succeeding because NO ONE WANTS TO BUY INSURANCE!”

No one wants to buy insurance. Not homeowner s, auto, life, health or disability… They only want what the insurance provides. They only want the benefit. Believe me, if people could get the benefits they wanted in some other way, they would. So,… if you “sell insurance” success will be tough. On the other hand, if you re in the business of helping people it s a different story. Now, you might protest that the distinction is simply a matter of semantics, but there are fundamental differences between having a sales focus and having a helping focus.

This difference affects pretty much everything a person does along with how they do it. (more...)