Auto Insurance

Protection for wherever the road takes you.

As your independent insurance agent, we pride ourselves on the ability to secure drivers the most dependable car insurance without the complications of a large insurance company.

Auto insurance protects you from loss in the event of an unfortunate accident. We use our insurance strategies to ensure you receive a comprehensive, custom-built policy that meets all of your car insurance needs.

At Goss Insurance Agency, we understand you want to be fully covered for a wide range of auto risks while keeping premiums and expenses in mind. Our insurance professionals review our list of available discounts and determine which ones apply to you. We provide you with quality auto insurance while making you and your unique needs our top priority!

Learn more about auto insurance and the discounts applicable to you at (423) 875-2500 or Contact Us today!

Available Discounts

Safe Driver
You can receive a discount by staying accident and ticket free.

Multiple Cars
A discount may be available if an individual or married couple own two or more automobiles.

Annual Mileage
You could be eligible for a discount depending on your estimated annual mileage.

Drivers Education
A discount is available if an inexperienced driver listed on the automobile policy (not deferred) has completed an approved training course.

Smart Drivers Discount
If the driver has completed a company approved Advanced Driver Training Program we can check for any available discounts.

Good Student Discount
Discounts may be available if the student meets eligibility guidelines.

Student Away from Home
Depending on how far away a student attends school from home, there may be a discount available.

Green Discount
Go paperless and you may be eligible for a discount.

Paid in Full
We will check for any discounts if the policy premium is paid in full (at policy renewal).

Accident Forgiveness
Coverage may be purchased to waive and not assign points for at-fault accidents if certain conditions apply. Please contact the office if interested. Additional cost may apply.

Age 65 and Over
You may be eligible for additional discounts if the principle driver is 65 years of age or older, there are no inexperienced operators, and the automobile is not customarily used in business.

Auto/Home/Umbrella
If you have your automobile, homeowner, and/or personal umbrella insured with the same company, there are discounts available.

Are older vehicles cheaper to insure?

Older vehicles are often less expensive to insure because they typically cost less to repair or replace. However, rates in (City), (State) can still depend on the vehicle’s safety features, theft rates, mileage, and whether you carry full coverage insurance.

Do I need extra coverage for aftermarket parts?

If your vehicle has aftermarket parts like custom rims, stereo systems, or lift kits, extra coverage may be recommended. Many standard policies in (City) only cover factory-installed equipment unless additional customization coverage is added.

Does insurance cover towing?

Towing may be covered if you have roadside assistance or towing coverage included on your auto insurance policy. Drivers in (Location) should review their policy limits to understand how far towing services are covered.

Does auto insurance cover engine failure?

Engine failure caused by mechanical issues or lack of maintenance is usually not covered by auto insurance. However, drivers in (City) may have coverage if the engine damage resulted from a covered event like flooding or a collision.

What is accident forgiveness?

Engine failure caused by mechanical issues or lack of maintenance is usually not covered by auto insurance. However, drivers in (City) may have coverage if the engine damage resulted from a covered event like flooding or a collision.

Should teen drivers have their own auto insurance policy?

In many cases, teen drivers are less expensive to insure on a parent or guardian’s policy. However, some families in (Location) may choose separate policies depending on vehicle ownership and household circumstances.

Can seasonal vehicles be insured differently?

Yes, seasonal vehicles like motorcycles, RVs, or classic cars may qualify for storage or reduced-use insurance options. Drivers in (City) often adjust coverage based on how frequently the vehicle is driven.

Does personal auto insurance cover Uber or Lyft driving?

Personal auto insurance policies may not fully cover rideshare driving activities. Drivers in (City), (State) often need rideshare endorsement coverage or a specialized policy for better protection while driving for apps.

What is non-owner auto insurance?

Non-owner auto insurance provides liability coverage for people who drive vehicles they do not own. Drivers in (State) who rent cars frequently or need proof of insurance may consider this type of policy.

Who should consider non-owner auto insurance?

Non-owner auto insurance may be helpful for drivers who regularly borrow or rent vehicles but do not own a car. It can also help drivers in (Location) maintain continuous insurance coverage between vehicles.

Does My Car Insurance Cover Me When Driving a Rental Car?

In many cases, your personal auto insurance policy may extend coverage to a rental car used for personal purposes. Coverage can vary depending on your policy and the type of protection you carry, such as liability, collision, and comprehensive coverage. Before renting a vehicle, it’s a good idea to review your policy details and discuss your coverage options with your insurance agent to understand what may apply and whether additional rental car coverage is needed.

The information provided on this website is for general informational purposes only and does not constitute insurance advice. Coverage cannot be bound, altered, or canceled via this website, email, voicemail, or online forms. All coverage is subject to the terms, conditions, and exclusions of the policy issued. Please speak with a licensed agent for specific coverage guidance.

Goss Insurance Agency

4706 Hixson Pike, Hixson, TN 37343

Phone - (423) 875-2500
Fax - (423) 877-5546
Email - clientservice@gossinsurance.com

Hours of Operation
Monday - Friday 9:00am to 5:00pm
Closed Daily for Lunch 12:00pm to 1:00pm

We are currently licensed in TN, KY, GA, and AL.

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