What Is Cordova-Appling Auto Insurance?
CORDOVA-APPLING is a local insurance brokerage based in Memphis, TN, specializing in auto coverage for drivers of all ages. The firm partners with several carriers to provide personalized policies that match individual risk profiles and budget constraints.
- What Is Cordova-Appling Auto Insurance?
- Coverage Options Available
- Optional Add‑Ons
- How Cordova-Appling Sets Rates
- Discount Opportunities
- Customer Service and Local Presence
- Comparing Cordova-Appling to Other Memphis Providers
- Steps to Get a Quote
- FAQs
- Do I need to buy insurance from Cordova-Appling?
- Is there a minimum coverage requirement in Tennessee?
- What if I move out of Memphis?
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Coverage Options Available
Typical auto insurance packages from Cordova-Appling include:
- Liability – bodily injury and property damage
- Collision – damage from a collision with another vehicle or object
- Comprehensive – coverage for non‑collision events such as theft, vandalism, or natural disasters
- Uninsured/Underinsured Motorist – protection if the at‑fault driver lacks sufficient coverage
- Medical Payments – medical costs for driver and passengers regardless of fault
Optional Add‑Ons
Clients can add:
- Roadside Assistance
- Rental Reimbursement
- Gap Insurance for new vehicles
- Personal Injury Protection (PIP) in select counties
How Cordova-Appling Sets Rates
Rate determination follows industry standards but includes local Memphis factors such as:
- Driving record and claim history
- Vehicle make, model, and year
- Annual mileage estimates
- Location‑specific risk factors (crime rates, weather patterns)
Discount Opportunities
Customers may qualify for:
- Good driver discounts (≥3 years no claim)
- Multi‑policy discounts (auto + home)
- Student or military discounts
- Safety feature discounts (anti‑lock brakes, airbags)
Customer Service and Local Presence
Cordova-Appling maintains a physical office in downtown Memphis, providing face‑to‑face consultations. The brokerage also offers online account management, 24/7 claim reporting, and a dedicated support hotline.
Comparing Cordova-Appling to Other Memphis Providers
Below is a quick snapshot of key metrics for Cordova-Appling versus two major competitors: Memphis Auto Group and Southern State Insurance.
| Attribute | Cordova-Appling | Memphis Auto Group | Southern State Insurance |
|---|---|---|---|
| Average Annual Premium (2024) | $1,200 | $1,350 | $1,100 |
| Customer Satisfaction Score (CSAT) | 4.6/5 | 4.3/5 | 4.5/5 |
| Claim Settlement Time (days) | 12 | 15 | 10 |
| Local Office Count | 1 | 3 | 2 |
Steps to Get a Quote
1. Visit the Cordova-Appling website. Fill out the quick‑quote form with vehicle and personal details.
2. Speak with a local agent. Discuss coverage options and discounts.
3. Review the policy documents. Ensure all limits and exclusions meet your needs.
4. Pay the first premium. Choose monthly, quarterly, or annual payment.
FAQs
Do I need to buy insurance from Cordova-Appling?
No. They act as a broker, so you can shop around and compare rates from multiple carriers.
Is there a minimum coverage requirement in Tennessee?
Yes. Tennessee requires a minimum of $25,000 for bodily injury per person and $50,000 for bodily injury per accident.
What if I move out of Memphis?
Policies can be transferred or canceled with no penalty if you relocate within the state.