Memphis Insurance Agency - Compare 50+ Carriers & Save
As Memphis's trusted independent insurance agency, we shop multiple carriers to find you the best coverage at the lowest price. Most Memphis residents save $500+ per year.
Insurance Costs in Memphis, Tennessee
Per year for Memphis drivers
Per year for Memphis homes
Memphis median
Why Memphis Residents Choose TCDS Insurance
Insurance Products for Memphis Residents
Auto Insurance
Full coverage, liability-only, or high-risk insurance. We handle SR-22s and DUIs.
Home Insurance
Coverage for single-family homes, condos, and rental properties. Tornado and storm protection.
Business Insurance
General liability, commercial property, workers' comp, and professional liability.
Life Insurance
Term life and whole life policies to protect your family's financial future.
Memphis-Specific Insurance Considerations
High Crime Rates: Memphis has higher property crime rates than national average. Ensure adequate personal property coverage and consider security system discounts. Comprehensive auto coverage is essential for theft protection.
Severe Weather & Tornadoes: West Tennessee experiences significant tornado risk, especially spring months. Wind/hail coverage with reasonable deductibles is critical for homeowners.
Mississippi River Flooding: Properties near Mississippi River and Wolf River are at flood risk. Standard home insurance doesn't cover flooding—ask us about NFIP flood insurance.
Uninsured Motorists: Tennessee has a higher percentage of uninsured drivers. Uninsured/underinsured motorist coverage is essential to protect yourself if hit by an uninsured driver.
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