Are You the Tennessee Driver Paying $340 Too Much?
Take the free 3-minute Tennessee Auto Insurance Score and find out where you're overpaying, underinsured, or missing discounts most TN drivers don't even know exist.
Find out your Tennessee Auto Insurance Score.
17 quick questions. About 3 minutes. We don't ask for your SSN or driver's license number — just the same factors carriers use to price your premium.
- Personalized score across 4 categories
- Top issues found in your current setup
- Estimated annual savings or risk exposure
Free. No obligation. Email required to deliver your report.
Licensed in Tennessee • GEICO, Progressive & 13+ more carriers • Independent — we shop, you save • Locally owned, south of Nashville
Here's the thing most agents won't tell you.
Tennessee's auto insurance market re-rated four times in the last 18 months. The carrier that was cheapest two years ago is almost certainly not the cheapest one today — but unless you actively shop, your renewal just goes up 8%, 12%, sometimes 25%, and you pay it.
Most drivers don't shop because shopping is a pain. You'd have to call five companies, repeat your info five times, and hope you're comparing apples to apples.
We built the Tennessee Auto Scoreto fix that. Answer 17 quick questions, and you'll get a personalized report showing exactly where you stand on coverage, price, discounts, and carrier fit — and what to do about it.
No call. No quote pressure. Just the number and what it means.
Your Score Report includes:
Your overall score, out of 100
A clear number across four categories so you know exactly where you stand vs. other Tennessee drivers.
The top 3 issues we found
Specific gaps in your coverage, missed discounts, or carrier-fit problems — written in plain English, not insurance-speak.
An estimated dollar impact
Roughly how much you could be saving annually, OR how much risk you're carrying that you shouldn't be.
Three minutes. That's it.
Answer 17 questions
About your drivers, vehicles, current coverage, and driving record. We don't ask for your SSN, your driver's license number, or anything sensitive.
Get your score, instantly
A full breakdown across Coverage Strength, Price Efficiency, Discount Capture, and Carrier Fit — emailed to you and visible on screen.
Decide what to do next
If your score's strong, you'll know. If there are real gaps, we'll show you exactly what they are. Want a free 15-minute review? It's there if you want it. Don't want one? No follow-up calls. We promise.
This Score is built for you if you:
- Live in Tennessee and have auto insurance
- Haven't actually shopped your rate in 2+ years
- Have seen your premium go up at renewal recently
- Own a home and aren't bundling
- Got a quote from a 1-800 carrier and aren't sure it's actually a good deal
It's probably not for you if you:
- Don't drive or don't have auto insurance
- Live outside Tennessee (we're TN-licensed only — for now)
- Just shopped 6 months ago and are happy with what you've got
Why Birdies?
We're an independent insurance agency based south of Nashville, licensed across Tennessee. "Independent" means we don't work for one carrier — we work for you. When you ask us for a quote, we shop GEICO, Progressive, and a handful of carriers most drivers can't get to direct, and we tell you which one actually fits your situation.
No 1-800 number. No script. Just a small team that knows Tennessee and treats your policy like ours.
Quick questions
Is this really free?
Yes. The Score Report is free, the email is free, and even the 15-minute agent review is free. We get paid by the carriers when we write a policy — never by you.
Will I get spammed?
No. One email with your report, and that's it unless you tell us otherwise. We're an insurance agency, not a lead-broker — we don't sell your information.
Do I have to buy a policy?
Nope. A lot of people take the Score, learn their current setup is solid, and never talk to us again. That's a win for us too — it means you know where you stand.
How accurate is the score?
The questions are built around the same factors Tennessee carriers actually use to price your premium — coverage limits, driving record, credit-based insurance score, telematics, bundling, and carrier fit. It's not a quote, but it's a sharp read on whether you're in the ballpark.
What if I'm not in Tennessee?
Right now, Birdies Insurance is only licensed in Tennessee. If you take the Score from out of state, we'll still send you the report — we just won't be able to quote you.
Find out your number.
Three minutes. No phone call. No obligation. Just the score and what it means.
Find out your Tennessee Auto Insurance Score.
17 quick questions. About 3 minutes. We don't ask for your SSN or driver's license number — just the same factors carriers use to price your premium.
- Personalized score across 4 categories
- Top issues found in your current setup
- Estimated annual savings or risk exposure
Free. No obligation. Email required to deliver your report.
Birdies Insurance is an independent agency licensed in Tennessee (TN License #3003585547). The Tennessee Auto Score Report is for informational purposes only and does not constitute a quote or binding offer of coverage. Premiums vary by individual underwriting. Privacy Policy.