Tuesday, 27 May 2014

Teen Driving Safety

Vehicle crashes leading cause of teen death

Jessica Bliss of the Tennessean reports that parents take a great leap of faith before giving their kids the car keys. Crashes due to reckless and distracted driving are the leading cause of death for American teens.
Summer is the time of highest risk.
Students average 44 percent more hours behind the wheel each week during the summer than during the school year, according to research by SADD (Students Against Destructive Decisions).
The 99 days from Memorial Day to Labor Day are the deadliest time for drivers age 15 to 20 with July 4 topping the list.
As you can see (and read further for more details of the article here), the risk is MUCH GREATER for teens - especially less experienced teen drivers during the summer months!  We see this claim increase from our own customers with their teens in the household.  So let this be a conversation starter for you and your family as we go through these dangerous 99 days.  It only takes one accident to change a life completely or end it.  We urge you and your family to be safe during this wonderful summer season ahead of us.  
If we can help you with anything insurance, we are ready!  Just EMAIL us at or feel free to contact Mr. White or his staff at 615.377.1212.  
Posted on 05/27/2014 2:20 PM by Benton White

Thursday, 22 May 2014

It's one of those "blink and you'll miss it" type things, particularly if you and your family took a week-long spring break trip.

Insurance companies sent out letters to more than a million homeowners with flood insurance policies telling them to prove that they live in their insured properties -- or face premium increases of 25 percent each year, "effective June 1."

The problem for some of these homeowners is that the letters were mailed in mid-April and arrived while they were on vacation.

Even if you saw it,  the letter was one of the typical insurance letters with lots of legalese.  It probably puzzled policyholders as to just what it means. And, if and when they figure it out, they might have to rifle through their safe-deposit boxes to prove where they actually live.

Biggert backstory

The National Flood Insurance Program (NFIP) is $24 billion in debt. In 2012 Congress passed the Biggert-Waters Act, which would boost flood insurance premiums to make up for this monstrous shortfall.

What Congress forgot was that homeowners in flood-prone areas couldn't pay these huge increases and so would be forced out. And things only got worse when Superstorm Sandy hit later that year. Those who live along the New Jersey and New York coastline are still trying to scrape together the money to rebuild.

Congress listened to angry voters and -- in a rare bipartisan move in March both Congress and the President modified Biggert-Waters to slow down the flood insurance rate increases.

Prove it, and now

This helps, but only if you are the homeowner of record -- and can prove it -- in a hurry. These letters from insurance companies which administer the flood insurance program for the NFIP, demand documented proof showing that you live in the flood-insured property. Proof can be in the form of:

  •     Voter registration card.
  •     Documentation of where your child or children attend school.
  •     Driver's license or similar document.

Flood insurance has drastically changed since hurricane Sandy and the flooding that we experienced in Middle Tennessee in May, 2010.  We offer the FEMA rated flood insurance policies from our portfolio of carriers and would be glad to quote flood coverage for you.  Average rates for our area to insure your home are between $350 and $550 per year.  We would be glad to custom quote flood insurance for your home.  Just EMAIL us at or contact one of our team members at 615.377.1212.

Posted on 05/22/2014 12:27 PM by Benton White

Tuesday, 20 May 2014

Over the years, we have gotten this question many times. 

"If I drive my Grandma's car (or friends car), am I covered!?"

Insurance follows the car, so your grandmother’s policy should cover anyone who has her permission to drive the car.
Even if you had an insurance policy of your own, your grandmother’s policy would pay first if you crash her car.
If you hit someone while driving her car, her liability insurance would pay for the cost of any injuries to the other driver or repairs to their car. The costs of repairing your grandmother’s car would be paid by collision coverage, if she has it, or out of pocket if she doesn’t. You’ll be raking leaves until you’re 30 to pay her back.

So you don’t have to buy a policy of your own. That’s the good news.

The bad news is that if you routinely drive your grandmother’s car, you may need to be added to her policy as a listed driver – meaning her rate calculations would include you. Young drivers have many, many times more accidents than grandmas do, so it’s likely her rates would rise.

Your grandmother might try check out what the rate for her auto insurance would be with you as a listed driver and without.  Or she can simply call her current insurer and describe the situation.  Better to find out ahead of time rather than have a claim rejected.

We answer this question often and analyze rates both with an additional driver and without.  Can we assist you?  Please contact us at or feel free to call one of our team members at 615.377.1212.  We're here to help!

Posted on 05/20/2014 10:43 AM by Benton White

Thursday, 15 May 2014

Visited our website lately!? There is SO MUCH to see, so much one can learn from our website information and so many other places on the site that helps us to serve you better through insurance.  One of the newer additions to the website that is really beginning to catch on is our LIVE CHAT feature.  It is a new service, available to you during business hours.

Let's say you have a quick coverage question - use LIVE CHAT
if you phone us and get voice-mail (and we hope that doesn't happen much) - use LIVE CHAT
you have an accident and need to start a claim - use LIVE CHAT from the scene.

Whether you are on your phone, tablet, laptop, desktop or some other computer, simply go to our website, click on the CLICK TO CHAT NOW button and you immediately have access to someone who can assist you.  It's a feature that not many insurance agencies use because honestly, I don't think they like to be interrupted.  We want to help and LIVE CHAT is just another way we want to offer you the best, real-time service we can!

Posted on 05/15/2014 1:58 PM by Benton White

Tuesday, 13 May 2014

Consider this a public service post!  It can happen to us all!

Upon first check of my email early yesterday morning, I had an order from Amazon for a $145 watch that was purchased from my account overnight.  The order was completed, charged to my debit card and was being processed for shipping.  I saw this 5 hours after the order was placed.  My EMAIL address on my account had changed to Benton1??6@????.com.  My address had been changed to a street address in Glendale, CA.    As many of you have experienced (this wasn’t my first time having this occur with another vendor), I felt the helplessness and violation of my privacy.  However, I knew what to immediately do.

I found the Amazon contact number.  Mind you, this was 4:50AM as I was heading to workout.  I dialed the number on my way to the gym, spoke with a customer service rep who immediately understood my issue.  She put me on hold for less than 2 minutes and when she came back she indicated this: “Mr. White, your account has been shut down, we have voided the attempted shipment, you have not been charged for anything and our security department will email you within 48 hours so you can reset your password, re-input your banking information and do any other updates to your account.”  THAT is how you handle this situation and Amazon gets an A+ for their service.

Within 1 hour (not 48), I had a long, thorough and very descriptive EMAIL on what I should do.  Basically, Amazon opened up a backdoor to my account so I could access it.  Then, they instructed that I change the password to some wild arrangement of characters, numbers & symbols to better protect me in the future from these – excuse me – IDIOTS that sit around and cause all of us these problems.

Interesting note: I KNOW how complicated passwords need to be.  I have a program that gives me top-flight, incredibly complicated passwords and those are what I use.  I can’t imagine ever having more secure passwords than what I use but guess what, one of my most complicated passwords was hacked during this event.  So – nothing is safe.  If we do internet, we take risks!  But what I know is that the reputable companies that participate in internet commerce are prepared, as Amazon was, to immediately reverse these types of issues.

So call me crazy (and many do!), but I still think we are as safe as we can be at this point dealing with cyberspace and the privacy thereof!  As the internet continues to grow, security will continue to get better.  This is a great example of the BAD happening and the GOOD quickly rising up!  Thought it might help you too!  I hope that it does!

Posted on 05/13/2014 8:10 AM by Benton White

Friday, 09 May 2014

I am lucky enough to love and respect TWO great Mom's!  

I'm blessed to have a wonderful Mom who is 83 years young.  She still mows her lawn, plants her flowers and against our wishes, occasionally climbs up a step-ladder to pull something off of the roof of her beautiful home.  May we all be my Mom at age 83.

Then there is the Mom that I live with.  We have been blessed to raise 4 incredibly gifted children and they have now given us 9 - nearly 10 grandchildren.  My wife is a Mom's mom.  Her most important holiday besides Christmas & Easter is Mother's Day.  She loves our kids, walks daily working hard to stay in constant connection and care for them and does not know the word NO when they ask for something.  Our kids love her, respect her and want time with her and that is all any parent could ask for.  She's cool, fashionable, beautiful and a definite role model for our kids.  Our girls all want to be like her when they grow up and since they are now in their 30's, they are following her lead quite ​wonderfully.  They're smart kids because they know if they do, they'll all be better for it.

So as we approach Mother's Day on Sunday, I'm sure you have a celebration set for the Mom or Mom's in your life!  Make sure they know how important they are!  I'll be celebrating BOTH of the mother's I love and care for.  They have made me so much better and I'm forever grateful to them!

Now to close, have you seen Kid President?  This kid has got it going on!!!  He has some great points with humor about Mom's and how important they are to us all!  Enjoy a little FUN but meaningful video from a young man who makes me smile when I watch this!

Happy Mother's Day to all!

Posted on 05/09/2014 11:17 AM by Benton White

Tuesday, 06 May 2014

There are multiple factors that determine how much you pay for auto insurance at Benton White Insurance.  These factors range from your occupation to your vehicle type. For example, if you’re in the right age bracket, live in a low-risk area, and have a spotless driving record – you may be paying lower insurance rates than other drivers. However, if your circumstances make you pay high car insurance rates, here are some ways to get discounts with the many insurance companies we represent at Benton White Insurance!

1.  Multi-policy discounts:  The more policies you have with one company, the more that company discounts the policies that you have with them.  Insuring your home, auto, personal liability umbrella, personal articles, life insurance and more can yield discounts on EACH policy and in some cases that can be 20 to 25% in premium savings for you!

2. Multi-Car Discounts: All of our companies offer significant discounts if you insure more than one vehicle on the same insurance policy. It is common that families own more than one car.  If this is your case, you should ask your auto insurance company for a multi-car discount. If you have a teenage driver that you would like to insure, this type of discount is especially beneficial. To qualify for this discount you must meet the following requisites:

  • Each vehicle must be insured under your name and can only be driven by other family members that live under the same roof, and yourself.
  • All of your vehicles must be covered by the same insurance provider. If you have vehicles that are insured by other providers, you will have to cancel the policies and insure them under a single insurance company.

Sometimes a multiple vehicle discount can help you save as much as 15% on your current insurance premiums – so it pays to look into it if you own more than one vehicle!

3. Paid in Full Discounts: You can also save a lot of money by paying your auto insurance in full rather than in monthly installments. In most cases, this type of discount is offered immediately by your insurance provider (other types of discounts are not advertised and you generally have to inquire about them). This type of discount gets rid of the installment fees since you pay the full amount up-front. If you can afford to do this, it is one of the easiest and surest ways to pay less on your auto insurance.

4. Defensive Driving Course: This is a good way to get a nice discount on your auto insurance premiums.   In Tennessee, you can take this course online.  Becoming eligible for a defensive driver discount can help you become eligible for other additional discounts such as the safe driver discount or the accident free discount. Here is a listing of defensive driving courses offered in Tennessee.

Please let us know if you would like for us to shop around for you, so we can maximize discounts for you on your insurance.  We’re independent!  We write for many companies & can surely find the right fit for your budget & the coverage’s you need.  EMAIL or Call 615.377.1212.


Posted on 05/06/2014 9:45 AM by Benton White

Monday, 28 April 2014
Hi Folks,

It's Spring and with the beauty of the season comes ugly weather.  Based on reports I trust most, today and tomorrow could produce strong winds, hail and possible tornadoes.  The latest severe weather front is headed our way, so please stay vigilant.
At one time, tornadoes meant severe weather but from an insurance point of view, STRAIGHT LINE WINDS and HAIL are additional claim causes which actually have been causing us more problems in the last couple of years than tornadoes!  We have a threat of all three in the next 24 hours. Insurance property rates in this area have increased in the last two years mostly because of these three causes for claims.  
Be vigilant as the front approaches and know your safe place. Keep an eye on the storm with your phone, tablet, laptop, TV or radio.  Make sure your portable items are charged to capacity so you can keep a close eye on this storm.
If you need us for anything claim related, WE ARE HERE AND READY! You can now file a claim right on our website and on your phone - just click here and hit the FILE A CLAIM button!
I can be reached at any of the following:
Reaching Benton White Insurance
Twitter: #BentonWhiteIns
Benton White Insurance Blog:
Benton White Insurance website:
Phone: 615.377.1212
Email us:
Our claim teams can help you 24/7 to assist you in filing a claim:
Our Claim Teams!
Travelers Claims: 800-Claim33 (800.252.4633) Web:
Auto-Owners Claims: 800-ClaimAO (800.252.4626) Web:
Progressive Claims: 800-Progressive (800.776.4737) Web:
Kemper Claims: 888.252.2799 Web:

We fully understand insurance isn't worth much if we're not there when you need us.  Hopefully, we'll all pass through another storm front with no issues.  But we want to make sure you have the information you need to reach us if needed.
Thanks for your business and know, we are here to serve you when you need us.  Keep this information handy so we can!


Posted on 04/28/2014 8:20 AM by Benton White

Thursday, 24 April 2014

I'm always amazed when I get offers in the USMAIL for auto or homeowners insurance.  I got another one in the last few days at my residence!

The envelope arrives looking SO official, no identification indicating who it is from - just a PO Box return address.  I know it is mass mailed because there is nothing personal about it except my name and address is correct.  Companies use all types of phrases to get your eyes on their mass-mail piece.  I know you've seen these Solicitation Phrases:

So many questions arise and very few answers are given.  I wonder many things like:

  • Why is this offer available for a limited time only?
  • How does Company A pre-qualify me when they SHOULDN'T have my driver's license or social security number?
  • What does 'significant auto savings" really mean??  What scale do they use to rank significant

And I can guarantee you if I had a high-rated sports car (which I don't) and 2 tickets and an accident in the last 36 months (which I don't), I would NOT get their best rates.

I have more questions than those but I'll move on!  After nearly 36 years in this business, here is what I know:

  • A good agent can, in almost ALL CASES, beat another companys' premium pricing.  That agent can manipulate coverage's, premium and pricing tiers so that their quote is lowest.  I could do it everyday.
  • Any agent can promise something when quoting and then once the policy goes to issuance or underwriting, something mysteriously changes!  There are a number of factors that could change a quote if the agent doesn't completely research all angles of the quote in order to be accurate - NOT solely bottom-basement priced!

"You Get What You Pay For..."

I had a case this week where one of my experienced, money conscious clients called me to say..."I got this quote from Company B in the mail ... They quoted X Tier of coverage and they are beating your property rate by X%.  Since I also represented the company that the agent quoted to him, it took me 30 seconds to tell him why the quote was lower.  The quoted premium tier offered 3 levels of less coverage.  That quoted premium reflected a major degradation of coverage.  Old adage applies: "you get what you pay for!".  The client quickly said .."That's all I need to know ... just wanted to check!"

At Benton White Insurance, we don't operate this way!!  We quote coverage's that gives us and our clients the best ability to say YES at claim time when you really need us!  I won't write insurance on anyone for the cheapest premium because the client ends up the loser!  You are buying insurance for peace of mind and protection to help you with auto accident injuries, property fires, liability lawsuits, rental car coverage and so many other items we insure on your behalf.   Even with my philosophy of ranking best coverage's over lowest price, we continually have premiums that are lower than most!

Don't get caught in the US MAIL solicitation racket - and yes I do mean racket!  Know your coverage, know the agent you are working with and seriously review if the premium really is low because your current carrier is higher or is it really a "bait and switch" routine.  Sadly, if you don't do your due diligence with your insurance, the latter could be the case! And if you ever have any questions or concerns you can always call me: 615 377-1212 or email:


Posted on 04/24/2014 10:19 AM by Benton White

Tuesday, 22 April 2014

So how did you spend your Easter??  As you can tell by this photo, ours was wonderful!  

We celebrated the reason for Easter as a family grateful for the sacrifice our Father has made for us!  Then, we continued the celebration with 20 friends and family at our home for lunch.  Of course, there was the traditional Easter egg hunt with 7 grandkids (missed our 8th one who lives in Florida) and 140 eggs to hide.  Each kid had a color and he/she found the plastic eggs that were filled with their favorite treats. Yes - they were PLASTIC eggs!  12 dozen eggs wasn't in our budget nor did we have the time to dye them!

If I was a boastful Poppy - I would show you all of the 150 pictures we took during the day.  But I'll spare you with only this one.  Just try getting this many to pose to a camera saying "sweet" or "cheese".  If you have a trick, let us know.

Grateful for family, friends and my wonderful clients.  My wife and I marvel daily at how truly blessed we are to have all that we have!


Posted on 04/22/2014 9:30 AM by Benton White

Thursday, 17 April 2014

I just received Roadside Assistance cards from my insurance company.  They send these so my wife or I would be covered if we ever have car troubles, on the road; rescue cards!

In the insurance company's mail piece that came with the cards, it reads: "We're here when you need us.  One call gets you help fast, 24 hours a day, 365 days a year.  Service professionals get you up and running quickly or tow your vehicle if needed.  Knowing you have Roadside Assistance provides peace of mind when your vehicle breaks down.  Any day, any time, we're here to help with:

  • Towing or flatbed transportation
  • Jump starts for a dead battery
  • Changing a flat tire
  • Key lock-out service (does not include loss of key)
  • Delivery of supplies, including oil, water, other fluids and fuel (does not include the cost of supplies or fluids)

They give me an 800 number to call when I need them.

I'm paying $11.00 per year per car for all of that!  I personally think that is a bargain and wouldn't be caught without the service.  Check your policy to see if you have the coverage (or contact us and we'll check for you) and if you don't and would like it, send an email to or call us - 615.377.1212.   We will get it added to your coverage.  

They say you can't buy peace of mind!  With Roadside Assistance, I think you can!  Pretty sweet deal!

Posted on 04/17/2014 10:24 AM by Benton White

Tuesday, 15 April 2014

Progressive Insurance  is one of the most technologically advanced companies in the country. They have just announced you can now get text updates and reminders! This is just another example of their great use of communication and why their customers love them! If you are insured with us through Progressive, this is available to you now. 

We work tirelessly here at Benton White Insurance to make sure that doing business with us is as simple as possible. We do the work of shopping around for you. We save you time finding the best rates and make signing up easy! Progressive is just one of our many companies we'll quote for you (they offer some of the best rates in vehicle insurance.) For help with this, or any insurance need, EMAIL us at or call 615.377.1212.  We're ready to help!

Posted on 04/15/2014 9:50 AM by Benton White

Thursday, 10 April 2014

Spring is here and so is golf!  The Masters is this week and we couldn't resist a little "insurance spin" on it.  Travelers Insurance likes to use their dog as a branding icon.  Here is one of the latest commercials where this not-so-good golfer gets a little help!

We proudly represent Traveler's Insurance with products that you need.  They are competitive with their rates and their service in claims is second to none!  We can hook you up and chances are, we'll save you money!  Let us know if we can help!  EMAIL us at or call 615.377.1212.


Posted on 04/10/2014 8:21 AM by Benton White

Tuesday, 08 April 2014

I've always said that I work hard and I play hard.  There is no better “play” than when my wife and I are Mimi & Poppy to our 9, soon to be 10, grandchildren. They all live here in Nashville except for Charlie who lives with his mom and dad in Miami.  He will soon be a big brother to a new little one! My wife spent this weekend in Miami with that crew, and I had a boy’s night with 5 year old Finn.  We played with remote control cars, had his favorite San Antonio Taco’s, watched a little Curious George, built Lego Dude's (as we called them) and then a trip to the grocery store. It’s so fun to watch that little guy smile and enjoy everything and everyone he comes in contact with.  He's such a joyful fella and his Poppy loves him so.

The next day I took Finn home to his mom and dad and I went straight to the first coach pitch baseball game for Jack.  He's gifted in the sport (I know - I'm his Poppy and I would say that - but HE IS!)  He was two for two at bat during that 4 inning game and got a player out at 2nd.  His team - the Knights - were trailing 11 to 4 in the bottom of the 4th and the Knights came back to win it!  Big fun and yes, Jack was pretty happy about it.  Next was lunch with my daughter Erin, her friend Emily, Jack and his sister Lily Kate.  Big fun!

To wrap it all up, I was invited to dinner Sunday night by my favorite (and only) Daughter-in-Law!  My son was in Peru this past weekend on a mission trip from our church.  He spoke to and encouraged over 300 men in their church (that our church helped to start) on how to be better leaders to their people. Kajsa invited me for dinner to enjoy time with her, Jake (2 1/2) and Annie (nearly 8 months).  We tumbled on the floor, played with new Lightening McQueen & Mater remote control cars and just enjoyed Poppy-time with those 3. Jake loved "Light-nin LeKeen!" :)

I love my insurance work and most of the time; I call insurance a pleasure. Many days it doesn't seem like work and that’s a blessing.  But if I'm honest, being husband, dad and Poppy are my most important callings! If I'm not at the office when you call sometime, you might very well find me handling duties from one of those 3 important titles.  
I am glad to have all that I have: great clients and a job I enjoy, a wonderful family and grandkids that remind me I’m more than just an insurance agent, I’m their Poppy!  What an honor!


Posted on 04/08/2014 10:54 AM by Benton White

Thursday, 03 April 2014

I want my clients to know: texting and driving in Tennessee is illegal!  You also need to know that police can and will use your phone records against you.

I'm seeing it just about every day as I drive: TEXTING while behind the wheel of a vehicle.  We are beginning to see insurance claims that are related to distracted driving.  The government is starting a new awareness campaign in the days ahead and it is none too soon in my estimation.  TEXTING and DRIVING is dangerous, lives are being lost and we all have to pay attention and take personal responsibility to end this.  Even if you don't text and drive, the roads are becoming more dangerous because of those who do.  

Take a look at this excellent infographic from the folks at NBC, then take a moment to watch this very moving video that will take 4 minutes of your time but could save a life.

If you have any questions concerning this email me:

Posted on 04/03/2014 10:17 AM by Benton White

Thursday, 27 March 2014

Open enrollment deadline is March 31

  • If you submit your application for healthcare coverage March 16 through March 31, your effective dates of coverage would either be April 15 and May 1

When the open enrollment period ends on March 31, applicants cannot purchase individual major medical plans until another open enrollment period begins. However, if a qualifying life event triggers a special enrollment period, individuals can purchase individual major medical plans outside of open enrollment. The special enrollment period for the individual healthcare coverage is typically 60 days from the date of a triggering event.
Triggering events are:

  • A qualified individual and any dependents losing other minimum essential coverage which include: loss of Medicaid and CHIP--as a result of a reported
  • change in household income, or as a result of other circumstances
  • A qualified individual gaining or becoming a dependent through marriage, birth, adoption, or placement for adoption
  • An individual, not previously lawfully present, gaining status as a citizen, national, or lawfully present individual in the U.S
  • Consistent with the Medicare Prescription Drug Program, a qualified individual experiencing an error in enrollment
  • An individual enrolled in a QHP adequately demonstrating to the Exchange that the QHP in which he or she is enrolled substantially violated a material provision of its contract
  • An individual becoming newly eligible or newly ineligible for advance payments of the premium tax credit or experiencing a change in eligibility for cost-sharing reductions (does not apply if they become eligible for an increase or decrease in their existing advance payments of the premium tax credit; however if an individual experiences a change in his or her existing payments of the premium tax credit in tandem with a change in level of cost-sharing reductions, the individual could qualify for this special enrollment period)
  • New QHPs offered through the Exchange becoming available to a qualified individual or enrollee as a result of a permanent move (includes Qualified individuals newly released from incarceration)
  • The individual is an Indian, as defined by the Indian Health Care Improvement Act.
  • A qualified individual or enrollee meeting other exceptional circumstances, as determined by the Exchange or HHS.  

Even after this open-enrollment period passes, we can still offer you Short Term Medical insurance and other supplemental health insurance medical products outside the open enrollment period.

>>> Minimum essential coverage — what you need to know
Most Americans must now have health insurance coverage that is minimum essential coverage (MEC). If insured’s do not have MEC, they may be subject to payment of a penalty. Here at Benton White Insurance, I offer plans that qualify as MEC. We offer non-MEC plans also mentioned above (Short Term Medical insurance and other supplemental health insurance medical products). We will advise you in our discussion more about MEC and outline the program you need as being either MEC qualified or non-MEC and the possible consequences of purchasing a plan that is not MEC.
There is an enormous amount of information that we all have to learn in order to make a qualified decision about healthcare coverage these days.  We’ll do our best here at the insurance agency to help you in any way that we can and if we don’t have the answers, we can certainly get them for you.  We want you to be covered and have choices that you are currently available to you.  However, after March 31, the options are much more limited.  Please contact me personally if I can help either by EMAIL – or 615.377.1212


Posted on 03/27/2014 11:54 AM by Benton White

Tuesday, 25 March 2014

Dave Ramsey is one of the most common sense, easy to understand money advisers in our culture today.  He has grown from a very small radio show many years ago here in Nashville to what is now a national following of millions.  I wasn't suprised when his website blog a few days ago had an article about Dave's most popular money saving tip.  He understands what we do and why we do it in the independent insurance agency system.  I made a career choice based on it and he solidly promotes the concept to his readers/listeners.  Independent insurance agents have choices and can cater to the needs of the insurance buying public and not to one insurance company like the non-independents.  Here is a portion from Dave's website blog recently:

Everyone loves saving money. And Dave has lots of ideas for cutting back expenses—everything from brown bagging lunches to buying beater cars. But there’s one tip that Dave’s fans absolutely love. Every time we mention it, people thank us because they save hundreds—sometimes thousands—of dollars.


Maybe you’ve heard it before. If so, bear with us—many folks are just getting to know Dave. Or perhaps you’ve heard it and never tried it. If that’s you, we encourage you to go for it!

So what’s everyone’s favorite tip? Shop for insurance with the help of an independent insurance agent!

The Difference Is in the Name

Why is an independent insurance agent such a great money-saver? Because they’re not limited to a single provider’s options. With access to a whole network of insurers, an independent agent casts a wider net to find you the best deals on the coverage that’s right for you. It’s like having your own personal shopper! And you can feel confident knowing your independent agent doesn’t have a dog in the hunt when it comes to which provider or policy you choose. At the end of the day, the choice is yours.

It’s About More Than Your Bottom Line

Saving money is awesome. But cutting costs shouldn’t mean cutting corners. A true pro takes time to walk you through your coverage options so you can make the decision that’s right for you.

Start Saving Today
Think about what you could do with hundreds of extra dollars a year. Would you knock out your debt snowball? Boost your retirement fund? The possibilities are endless! So what are you waiting for?

This is just what we do!  We offer many companies to choose from and we custom make the proposal to fit the insurance buyer instead of the insurance company.  We're ready to earn your business!  Let me know if we can help you or someone you know to get the right insurance at the right price shopping several companie on your behalf instead of just ONE!  EMAIL us at or phone 615.377.1212615.377.1212.  Our website can tell you more at  

Posted on 03/25/2014 10:12 AM by Benton White

Wednesday, 19 March 2014

Congratulations!!  You or your daughter is getting married soon and you are basking in the joy of it all. Conversations with just about everyone are focusing on wedding stories of the past.  You want this to be a memorable event not only for the bride and groom, but for you as well!  Because you will spend hours, days, and months making plans for this special day, have you thought about protecting your investment?

$28,400!  That was the average cost of a wedding in 2012!  Are you ready for this?

Just like you would protect yourself for a collision accident with your car, you can now protect yourself against unforeseen, unplanned, out-of-your control problems and all the “what ifs…” 

  • What if your reception venue goes out of business close to your wedding date, you lose your deposit and have to find another location?
  • What if your bridal shop closes, leaving you without a gown?
  • What if the photographers camera is damaged and your pictures are gone?
  • What if the wedding needs to be postponed because of sudden illness preventing the bride, groom or their parents from attending and everything needs to get rebooked?

$160.00!  For as little as that sum of money, you could protect yourself with a wedding insurance policy that can cover a variety of situations, such as:

No Dress

Lost deposits

Lost Rings

Ruined photos

Transportation shutdown

Damaged gifts

Sudden illness

Venue requires insurance

Liquor liability (extra fee but available)

We can actually make your wedding day more peaceful than you think.  EMAIL us at or call 615.377.1212.  You can get more information about this or any other policy we offer by visiting our website at  Let us help you keep your wedding HAPPY instead of one that could really be SAD!

(article written by Lorry & Mandy at Benton White Insurance - who both have children weddings in their future!)

Posted on 03/19/2014 11:45 PM by Lorry & Mandy @ Benton White Insurance

Tuesday, 18 March 2014

You’re headed on a wonderful vacation with family.  You fly to a beautiful destination, get off of the plane and then the big decision comes at the rental car counter!  Do I take the insurance coverage offered (or in some cases forced on you) or do I not?  You review the agreement before signing and you see temporary car insurance for rental car options such as loss damage waiver, partial damage waiver, liability supplement, motorist protection, and personal effects coverage - and you will say, "Oh, man, just put it on there." Suddenly your rental car bill will be hundreds of dollars over the base rental price.  If you are in this situation, and you haven't reviewed your existing insurance coverage back home and can part with hundreds of dollars, then it would make sense to select short term car insurance options to ensure that you can walk away from an accident without huge financial losses.  If however you are willing to put in a few minutes time and do some research, you will feel confident in stepping up to the desk and checking "Declined" after each expensive temporary car insurance option on the list, and know you are no worse off than if you had paid a lot more.

1. If Renting in the United States, don't Buy Temporary Car Rental Insurance If You Have An Existing Insurance Policy

Already own a car? You're probably already insured.

The first step is to find out what is your existing coverage and write it down, or get a print out. You want to have this with you at the rental car desk, so you have information to counter their sales pitch. Know how much you're covered for, what you are covered for, and what's your deductible. Decide beforehand if you are willing to pay the deductible in the event of an accident, keeping in mind that it's not likely to happen.  You might, for example, be offered a Loss Damage Waiver. They will say anything happens to this car, you're not responsible. Sounds great. But it's expensive. What they are trying to sell you is peace of mind and convenience. You may already have what you need to have that peace of mind!

2. If Renting OUTSIDE of the United States abroad, seriously consider the coverage. 

If you are abroad, no matter what policy you have, you probably should take the counter offered coverage.  Most US licensed insurance companies do not cover you outside of the continental US or non-US properties. So it's unlikely that you will feel at ease and at peace if you are involved in a car accident abroad, no matter what policy you have. You should call us or your insurance carrier before you take the trip and ask what you would have to do if you got into an accident abroad. Get the specifics so you'll know ahead of time. Ask questions like:

  • Will you have to pay in cash?

  • Will you need to call a tow truck?

  • Will you get a replacement car? etc. etc.

Get all the facts!


3.  Don't Buy Temporary Car Rental Insurance If You Have A Credit Card That Offers Rental Insurance

Have a credit card? Check if it includes car insurance.

Many credit cards offer auto rental collision damage waiver on top of your existing coverage. This means that they will reimburse you only for the damage not payable by any other means such as existing car insurance.  Again, you will need to verify the details. There's no way to take a cheap shortcut around this - you have to get on the internet or call and find out what your coverage is. The card benefit will probably not have as much coverage as you would have on your typical car insurance policy. You will also need to purchase the rental car using this credit card. There will be other stipulations; but then, all insurance has stipulations, and you should know what they are. Print out your credit card rental car insurance coverage details and bring them with you on your trip.

4.  Know What Other Insurance You Have, e.g., Medical and Homeowners

Do you know what other insurance you have? Look it up.

It's important to know your total insurance picture when making a decision on car rental insurance. For example, what happens if you are injured in a car accident, or injure someone else? You may have coverage for this under your health insurance plan. Know what this is and what it covers.  Also check to see if your homeowner's insurance has any provisions for your personal property while you are renting a car.  In most cases, the insurance you buy at the desk of your car rental agency will be duplicate coverage.  There is no substitute for simply understanding what coverage you already have. Then you can make an informed decision at the rental counter to fill in any gaps.


Pull your insurance information that you have and study up a little.  Or certainly, you can contact us and we’ll be glad to answer any questions you have regarding coverage while renting a car.  We’re here to save you money in insurance and doing a little pre-trip insurance studying could save you a bundle.  EMAIL us at or call 615.377.1212.  Of course, we have detailed information about renting cars and insurance on our website at  We will be glad to assist you before you take that trip!


Posted on 03/18/2014 10:39 AM by Benton White

Thursday, 13 March 2014

One of the services we offer at Benton White Insurance is that we REVIEW any policy you have with us at least annually if not more.  Being an independent agency, we have many companies to choose from and shopping for you gives you a wide variety of options that we can offer you.  Of course, as you read this and you’re not with us yet, when you first come to us for insurance, the FIRST thing we do is SHOP our companies to get the best fit for coverage vs. price that we can offer.

Our process is what some call “correlation or comparative shopping” which guarantees you that we are checking for all discounts that you qualify for which include driving histories and credit scoring.  These are just a couple of cash sparing tips that can spare you a fortune on auto protection.

Correlation shopping for auto insurance is to your advantage.  There are many variables that go into your rates.   For example, where you live, your driving record, your age and the type of auto you drive are just a few.  Some companies give larger discounts for different variables you bring to the policy.  That is why we shop them all.

Many folks don’t realize the additional discounts that are available if we insure more than just one part of your insurance portfolio.  The more policies we have, the better discounts afforded to you.  Just insuring your home and auto with us alone can save you as much as 20 to 25% premium on each auto and home policy you place with us.  That is sizable money in some cases.

Of course, everyone knows, the better driver you are, the better the rates you qualify for.  If you have a CLEAN driving history (no tickets or accidents in the last 3 to 5 years), you will step into our most competitive package for rates.  Even if you have tickets or accidents on your record, we certainly can insure you at a little higher premium but over time, we help you to lower that premium as you work to get your driving history back spotless again.  That is another reason we annually review your policy and coverage’s.  If we see where we can change companies because you have moved into a more competitive premium tier, we suggest a change!

I often explain that insurance can either be “you are doomed if you pay for it and you are doomed if you don’t!”  Many drivers complain about paying their insurance premiums because they never use it.  However, I have never heard a customer complain if they have that unfortunate claim and the insurance company takes care of them by handling their claim completely after that insured’s deductible is paid.  So, we hope you agree with us:  Keep your insurance in force so you’ll have help in time of need when that claim does appear.

We’re here to help!  We’re your comparative shopper for auto, home, life, long term care and any other insurance you might need.  Reach us at or contact our office at 615.377.1212.  Please spend a few minutes on our website in order to get more specific information on WHAT we really offer.  (


Posted on 03/13/2014 10:38 AM by Benton White


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