Why should you choose an independent insurance agent over online insurance?

Did you know?

Online insurance companies cannot provide you with the personalized attention and answers that you will receive from an independent agent who is working in your best interest to help you find the best coverage at the best price for what you need.

What coverage is best for your house? What about those special additions or situations that need extra attention? What can you do to decrease the rate of your homeowner's insurance?

The situation is the same for your car. Are you sure that you are getting all the discounts to which you are entitled? What can be added or what can you do to reduce your premium?

What you get with an independent agent

Answers to these questions are all readily available and easily accessible through your independent insurance agent via phone, fax, email or even a visit to their office where a real person can help you. They are working in your best interest to help you find the best coverage at the best price for what you need.

What you miss with online insurance

With online insurance, everything is up to you, what you know, and how much time you have to search for answers. Sure, all your options may be available right in front of you on the screen, but which is the best for you and your situation? How do you know if you chose the correct or enough coverage? With online insurance, there is a good chance that you may not know for sure.

Getting answers from a live person who is working for you

If you want answers to your questions, you still have to contact someone. With online insurance, many times you have to use their online services (contact form, online, etc.). They may have a phone number to call, but it's a rather impersonal process, and you do not know that they have your best interests at heart. The person you get may simply be working from a computer screen and not actually have the depth of knowledge to help you make the best decision.

With an independent agent, you can get quick, reliable answers from a person you know is working in your best interest. They are knowledgable and can help you make the best decision possible.

The bottom line

The bottom line is that, with an independent insurance agent, you get face-to-face, personalized service from an experienced agent you know you can trust.

Can we help you?

We would love to answer any questions you may have or to provide a quote for you. For questions, please give us a call at 865-922-3111 or click here and fill out our contact form. One of our experienced agents will contact you as quickly as possible.

If you would like a quote, please fill out the form below. One of our experienced agents will view your information and contact you to make sure you receive a quote for the insurance that best fits you and your situation.

Instant Quote Request Form

Contact First Name
Contact Last Name
Business/Organization Name
(if applicable)
Zip/Postal Code
When is the best time to contact you?
Do you already have any policies through BJI?

What information can we provide for you?

Automobile Insurance
(Up to 15% off if you have home insurance with the same company)
Property Insurance (Home, Tenant)
(Up to 10% off if you have auto insurance with the same company)
Life Insurance
(5, 10, 15, 20, 30 year level term, annual renewable term, mortgage term, universal life, and whole life)
  Business Insurance
(Property, liability, workers comp., group life, health or retirement plans)
Major Medical Health Insurance   IRA
Mobile Home Insurance   Annuities
Flood Insurance   401k/Retirement Plans
Boat Insurance   Savings for College
Motorcycle/Mopeds/Trail Bikes   $1,000,000 Umbrella Policies
Recreational Vehicles   Disability Income Insurance
Insurance for Classic Car   Notary Bonds
Medicare Supplement Insurance   Nursing Home Insurance

Comments / Questions / Requests

BJI is licensed only in the States of Tennessee and Kentucky, so we will only respond to requests for TN or KY insurance.  If you are outside the state of Tennessee or Kentucky, please use our Links Page to find a representative within your state.