The top-rated truck insurance agent in Oak Ridge, Tennessee is Stephanie Hale-Smith - State Farm Insurance Agent, rated 5.0 stars across 334 reviews. Other highly rated options include Bradley Roberts: Allstate Insurance, Mike Massaglia - State Farm Insurance Agent, Josh Hemphill - State Farm Insurance Agent. This directory lists 18 truck insurance agents serving Oak Ridge.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Stephanie Hale-Smith - State Farm Insurance Agent | 40 New York Ave #110 | (865) 483-7784 |
| 2 | Bradley Roberts: Allstate Insurance | 106 S Illinois Ave | (865) 482-9596 |
| 3 | Mike Massaglia - State Farm Insurance Agent | 108 S Illinois Ave | (865) 425-7750 |
| 4 | Josh Hemphill - State Farm Insurance Agent | 574 Oak Ridge Turnpike | (865) 512-7542 |
| 5 | Laura Lynn Green - State Farm Insurance Agent | 136 Marquette Rd | (865) 483-5666 |
| 6 | Direct Auto Insurance | 860 Oak Ridge Turnpike Suite 4 | (865) 220-5537 |
| 7 | Farm Bureau Insurance | 1574 Oak Ridge Turnpike | (865) 482-5666 |
| 8 | Madison Insurance Group, Inc. | 795 Main St W Suite 200 | (865) 425-7300 |
| 9 | Thompson Insurance Group | 697 Emory Valley Rd E | (865) 685-5069 |
| 10 | Chris Smith Insurance | 471 Oak Ridge Turnpike Ste.B | (865) 272-3387 |
Stephanie Hale-Smith - State Farm Insurance Agent serves the Oak Ridge, Tennessee area, specializing in truck insurance coverage for local commercial operators. The agency helps truck drivers meet legal and financial requirements for their vehicles. General protections such as liability, physical damage, and cargo coverage are offered to suit regional hauling needs. Claims assistance is provided to clients when incidents occur on the road. Specific services tailored here include policies for owner-operators and hired-and-non-owned truck insurance.
Bradley Roberts: Allstate Insurance offers a range of commercial truck insurance services in Oak Ridge, TN, including liability, physical damage, and cargo coverage for local operators. Its service plans help clients assess risk and update policies as fleets evolve, supporting continuous protection for various transportation needs. The agent’s client base for truck insurance typically includes single-family home movers, retail delivery services, apartment moving companies, and restaurants that require dependable vehicle insurance.
Mike Massaglia, a local truck insurance agent in Oak Ridge, Tennessee, serves independent truckers, fleet operators, and owner-operators throughout the region. The agency provides commercial auto liability, physical damage coverage, and cargo insurance tailored to the risks of over-the-road transport. Policies are designed to meet state and federal requirements, with options for bobtail insurance, non-trucking liability, and primary liability. Seasonal coverage adjustments are available for fluctuating hauling needs. Additionally, this agency covers commercial drivers based in the nearby communities of Clinton and the greater Anderson County area.
Josh Hemphill - State Farm Insurance Agent in Oak Ridge, Tennessee is known for offering tailored coverage for commercial truck operators in the region. Its service range includes liability, physical damage, and cargo insurance for local and long-haul trucking businesses. The agent works to match policies to the specific needs of each fleet operator or independent driver. As a specialty add-on, the agency offers coverage for refrigerated trailers and their cargo during transport.
Serving Oak Ridge and the surrounding East Tennessee communities, Laura Lynn Green's State Farm agency provides commercial truck insurance for local owner-operators and small fleets. The agency handles liability coverage, physical damage protection, and cargo insurance tailored to regional routes. It approaches every policy by first assessing the specific operational risks a trucking business faces before recommending appropriate coverage limits. This careful evaluation ensures each client's unique needs are addressed in a straightforward manner.
Direct Auto Insurance serves the Oak Ridge, Tennessee area as a truck insurance agent. The company helps commercial truck operators find coverage for their vehicles and business needs. It works with local drivers to address the specific risks of hauling cargo and operating heavy trucks on regional routes. Policy options often include liability protection for bodily injury and property damage that may occur during transit. Direct Auto Insurance also handles physical damage coverage for trucks involved in collisions or weather incidents.
Farm Bureau Insurance in Oak Ridge, Tennessee, provides truck insurance agent services for commercial vehicles, including policy consultations and coverage adjustments. Its service plans involve regular policy reviews to ensure compliance with Tennessee’s trucking regulations and liability requirements. The company assists clients with filing claims and updating coverage as fleet needs change. It typically services properties such as single-family homes, apartments, retail stores, and restaurants that rely on trucking operations.
Madison Insurance Group, Inc. specializes in tailoring coverage for local trucking operations, helping independent owner-operators and small fleets manage their unique risk exposures. The agency also works with regional commercial drivers to secure policies that meet state and federal requirements. It assists businesses in Oak Ridge with navigating insurance filings for rigs hauling cargo through nearby mountain routes during unpredictable winter weather.
Local truck fleets in the Oak Ridge area face seasonal hauling demands that require reliable coverage. Thompson Insurance Group serves as a truck insurance agent, helping operators find policies that match their specific cargo and regional routes. The team works to explain liability, physical damage, and cargo protection options without overcomplicating the process. A typical engagement begins with a review of the current policy and an inspection of the vehicles and their operating schedules to identify the initial coverage gaps and needs.
What Does a a Truck Insurance Agent in Oak Ridge Cost?
Truck insurance costs in Tennessee vary widely based on driving history, cargo type, and annual mileage. A basic liability policy for a single truck may cost 3000 to 6000 dollars per year, while full coverage with cargo and physical damage can range from 8000 to 15000 dollars annually. This is general information and not insurance advice.
About truck insurance agents in Oak Ridge
Truck insurance agents in Oak Ridge Tennessee help owner-operators and fleets find coverage that meets state and federal requirements. Tennessee law requires minimum liability insurance of 75000 dollars per person for bodily injury and 25000 dollars for property damage for commercial trucks. Local agents understand the specific needs of the trucking industry in Anderson County.
Frequently Asked Questions
What are the minimum insurance requirements for a truck in Tennessee?
Tennessee requires commercial trucks to carry at least 75000 dollars in bodily injury liability per person and 25000 dollars in property damage liability. Higher limits may be needed for interstate hauling or to satisfy a motor carrier contract.
Do I need a special license to sell truck insurance in Tennessee?
Yes agents must hold a valid Tennessee insurance license and often obtain additional certifications for commercial lines. Many truck insurance agents in Oak Ridge also have experience with the Federal Motor Carrier Safety Administration regulations.
Can a truck insurance agent help with cargo coverage?
Yes many agents offer cargo insurance to protect goods being transported. This coverage is separate from liability and physical damage insurance and is often required by brokers or shippers.
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