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Welcome to one of Tennessee’s finest Insurance Agents - Ernie Hobbs

Welcome to one of Tennessee’s finest Insurance Agents - Ernie Hobbs

Ernie is a licensed agent with the state of Tennessee and offers a wide range of insurance products to consumers, including auto, home, boat, and even pet insurance. Ernie is based in Tullahoma a beautiful corner of Tennesee.
We’ve found Ernie a pleasure to speak with, he’s down to earth, easy going and a true [...]

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Previous Stories

  • Are you drunk? A quick guide to state by state DUI laws
    May 12th, 2008

    Every year thousands of American’s die on our roads as a result of alcohol or drug impaired drivers. Few activities carry the social stigma of drunk driving, and society has taken significant strides in combating driving under the influence. Here’s a quick primer on what states are doing about alcohol and motor vehicles.
    [...]

  • Cell Phones and Driving
    May 12th, 2008

    In the United States over 254 million people subscribed to such wireless communication devices as cell phones as of February 2008, compared with approximately 4.3 million in 1990, according to the Cellular Telecommunications & Internet Association.
    Increased reliance on cell phones has led to a rise in the number of people who use the devices while [...]

  • The Invisible Man’s 10 Tips to Avoid Speeding Tickets
    April 12th, 2008

    Speeding ticket recipients usually violate more than driving faster than the posted limit. Their crime is getting noticed. Avoid being seen and you tip the odds in your favor to prevent getting a nasty fine, points and maybe higher auto insurance rates.
    Stay under the radar:

    1) Drive within 5-10 mph of surrounding traffic. Police usually [...]

  • Can I Drive Legally Without Insurance?
    April 11th, 2008

    NO! Almost every state requires you to have auto liability insurance. All states also have financial responsibility laws. This means that even in a state that does not require liability insurance, you need to have sufficient assets to pay claims if you cause an accident. If you don’t have enough assets, you must purchase [...]

  • California DMV Tips Passing Your Driving Test/Illegal turns
    April 5th, 2008

    Can I turn there? not sure. better read my drivers handbook. Here is the fourth installment of our video classroom, courtesy of the California Department of Motor Vehicles. Ride along while we learn how to turn this thing around.

  • Keeping your Electrical Connections Clean
    April 3rd, 2008

    If you’ve ever seen the crud that builds up on an exposed electrical connection, or tried to hook up a trailer hitch that’s been outside for a while, you know about the green corrosion that can prevent you from getting the current flowing.
    Matthew Wright at

  • California DMV Tips Passing Your Driving Test/Not Stopping Properly
    March 31st, 2008

    It might be called a California Stop, but it won’t get you a passing grade in your drivers test. You can get an automatic fail if you don’t learn to stop properly. Don’t turn against a red arrow, don’t roll a stop sign. Sit back and watch this video [...]

  • California DMV Tips Passing Your Driving Test/Failure to Yield
    March 25th, 2008

    Who has the right of way when you are driving? Failure to Yield can make you fail your test, or even get you killed.

  • California DMV Tips Passing Your Driving Test/Unsafe Lane Changes
    March 19th, 2008

    Enjoy our series from the California Department of Motor Vehicles. This video might remind you of your early days in drivers training. The DMV has a few tips on changing lanes safely.

  • California DMV Tips Passing Your Driving Test/Getting Your License
    March 17th, 2008

    The first video in our California Department of Motor Vehicles video classroom on passing your drivers exam, is this quick video on making sure your vehicle is ready to drive.

  • Automobile Safety Primer- Seatbelts, Child Safety Seats Airbags and More
    March 14th, 2008

    Crashworthiness: Crashworthiness, a term which refers to how well   vehicles  withstand different types of crashes, varies by category of vehicle   as well as by make, model and year. Two groups conduct tests to determine   crashworthiness—the Insurance Institute for Highway Safety (IIHS), which is   an insurance-funded organization, and the U.S. Department of Transportation’s   National Highway Traffic [...]

  • Hitting Harder, But Not So Often - Auto Injury Claims Less Common, But More Severe
    March 13th, 2008

    Long term trends in auto insurance claims show that America is becoming a safer place to drive, and hint that efforts to make cars, roads and highways safer are having positive benefits where it counts. The Insurance Research Council’s recently published 2008 Auto Injury Claims Report notes significant drops in the numbers of [...]

  • Cracking UP - III reports US automobile crash statistics
    March 11th, 2008

    The cost and crashworthiness of vehicles as well as drivers’ safety habits affect the cost of auto insurance. In 2006, 42,642 people died in motor vehicle crashes and an additional 2,575,000 people were injured, according to the U.S. Department of Transportation. Out of concern for public safety and to help [...]

  • Vans and Minivans- How to be More Fuel Efficient
    March 11th, 2008

    Many people are choosing vans and minivans for their multipurpose use. They hold up to eight people and when the seats are removed or lowered, can carry large amounts of cargo. Most vans are not known for their fuel efficiency, but minivan manufacturers have felt the pressure from consumers to make more fuel efficient models.
    Here [...]

  • Volvo Bus Crash Tests. Auto Passenger Safety in a big package
    March 5th, 2008

    Volvo is famous for safety. Give them acres of steel to work with and see what they can do. Here’s a video of Volvo Buses going through the infamous crash test dummy sequences.

  • Auto Insurance.Net Partners
    March 1st, 2008

    AutoInsurance.Net is a member of the Lead.Net family of online insurance and financial services magazines and websites.
    We work with some of the best names in the auto insurance marketplace including:

  • Saving money on auto insurance
    February 11th, 2008

    Shop Around
    Get at least three price quotes. You can call companies directly or access information on the Internet. Your state insurance department may also provide a means to compare prices.
    Get quotes from different types of insurance companies. Some sell through their own agents. Some sell through independent agents who offer policies from [...]

  • What is auto insurance?
    February 11th, 2008

    Auto insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy.

    Auto insurance provides property, liability and medical coverage:
    Property coverage pays for damage to or [...]

  • What is covered by a basic auto policy?
    February 9th, 2008

    Your auto policy may include six coverages. Each coverage is priced separately.

  • Compulsory Auto/Uninsured Motorists
    February 5th, 2008

    Most states require drivers to have auto liability insurance before they can legally drive a car. (Liability insurance pays the other driver’s medical, car repair and other costs when the policyholder is at fault in an auto accident.)
    All states have laws that set the minimum amounts of insurance or other financial security that drivers have [...]

  • Teenagers & Safe Cars
    February 5th, 2008

    If your teenager has just gotten a driver’s license, it may be hard to imagine handing over the keys to your brand new car, but that may be the smartest vehicle to choose.
    The first years teenagers spend as drivers are very risky. In fact, teen drivers have the highest death rates of any age group. [...]

  • New California Driving Laws for 2008
    January 28th, 2008

    The state of California has new laws affecting drivers in 2008.
    Violations could result in higher auto insurance premiums.
    In brief, the new laws affect registration, smoking, license plate obstruction and probably the biggest issue, the use of cell phones.

    New Laws for 2008 - Driver License
    Unless otherwise indicated, these new laws become effective on January [...]

  • Here’s a Cute NationWide Auto Insurance Commercial
    January 23rd, 2008

    With 4 curious kids of my own, I thought this commercial from NationWide Auto Insurance was cute.

  • More Ice Capades - Another Auto Insurer’s Bad Day
    January 20th, 2008

  • Welcome Houston Auto Insurance Premier Agent
    January 19th, 2008

    Welcome Houston Insurance Agency Gresham Insurance and Financial Agency
    Firm Lic#: 1215568

    Daniel Gresham
    At Gresham Insurance & Financial Agency, Professional insurance agents providing individualized service. We provide our customers with quality service by providing timely quotes.
    Auto, home, motorcycle, boat, commercial, life and financial services, serving the Houston, Cypress, Katy, Pearland, Richmond, Spring and surrounding communities.
    We [...]

  • Night Driving - Safety Tips
    January 16th, 2008

    Winter months and the end of daylight savings time means most commuters find themselves driving in the dark on a daily basis. As Katie Couric reports in the video, 90 percent of your reaction time is a factor of your ability to see. And for most of us, our ability [...]

  • Safe Driving on Ice
    January 12th, 2008

    Normally when you drive, you expect that your car will respond to your wishes. You brake, it stops. You turn, it turns. What we sometimes forget, is that the responsivenes requires that the car be firmly gripping the road. Once you introduce ice, and kill the friction that lets you [...]

  • Plastic Cars - Can they survive the first scrape?
    January 11th, 2008

    Now I realize that its not being offered in the United States Auto Marketplace yet, but the new super cheap ($2500?) Ratan Tata mini car being sold in India is a great place to touch on an intriguing question. Are we designing all of the give out of our cars?
    The Tata is [...]

  • Auto Insurance Agent Locator
    January 7th, 2008

    Use our Interactive Map to find a local auto insurance agent.

  • Video - A whole new way of getting into cars
    January 7th, 2008

    Every boy is into cars. Here’s a whole new way of getting into cars.

  • That’s Gotta Hurt
    January 7th, 2008

    New premiums are in order, I guess.

  • Auto Insurance Premium $104,566.63 A Year… Yes, It’s Fair
    December 16th, 2007

    Driving is a privilege for which we get licensed, not a right. When a teen establishes an irresponsible record that clearly endangers others, and himself, who should pay to insure his being on the road?
    Insurance reform hikes driver’s bill to $104,000
    Teen had 10 speeding tickets, 3 crashes since 2005
    Tuesday, December 11, 2007
    EDMONTON - [...]

  • Auto Insurance - Ten Savings Tips
    December 7th, 2007

    Before you forget… Fill out our quote form and have a local Auto Insurance .net premier agent contact you.

    Shop Around: Different companies charge different rates for the same coverage. Check your state insurance department’s website to see if the carrier you plan on going with has a high number of complaints and use online resources [...]

  • Buying Auto Insurance Without An Agent - Risky Business
    December 7th, 2007

    Is it risky to buy automobile insurance without the use of an agent?
    According to a Vertis Communications study, 40 percent of U.S. adults surveyed would buy automobile insurance directly via phone, Internet, or mail without first consulting an agent. This rake an 11 percent increase in the trend since 2003, according to Vertis Communications.
    Area insurance [...]

  • Don’t Try This With Your Geico Agent - HUMOR
    October 12th, 2007

    Source.

  • Car Insurance - Can College Equal Savings?
    August 27th, 2007

    With many students leaving home and leaving for university or college in the coming weeks, parents should review their home insurance policies to ensure their children’s belongings - such as computers and other electronic gadgets - are adequately covered for loss or damage while they’re away from home.
    Aside from the traditional stereo, review insuring expensive [...]

  • Free Auto Insurance - TANSTAAFL
    July 16th, 2007

    No, not “free auto insurance quotes”. Actual claims of “free auto insurance”.
    First of all, who is idiotic enough to pay for an insurance quote when there are so many online quote services (wink wink, nudge nudge). To the claim of actual “free auto insurance” I say, no shout, TANSTAAFL!
    TANSTAAFL is an [...]

  • Generic Auto Crash Car Parts
    June 13th, 2007

    Village Soup brings up a vital discussion concerning generic auto crash parts. I happily save on generic medications I buy, which are the equivalent of brand-names medicines. For new medicines that aren’t available in generic versions, I understand that I have no choice.
    I think auto insurance carriers ought to allow the consumers [...]

  • Get Competitive Auto Insurance Quotes for Big Savings
    April 29th, 2007

    (ARA) - Did you know that most people are not getting the best price for their auto insurance? Perhaps it’s easier to stay with the agent you’ve always known, or you don’t want to spend the time calling each agent individually. Whatever the excuse, procrastinating could be costing you hundreds of dollars.
    The truth is auto [...]

  • Ten Most Stolen Cars - 2007 Report
    April 27th, 2007

    NewsMax Reports:
    According to the National Insurance Crime Bureau, the top 10 most stolen vehicles in the United States by make, model, and model year were:

    1991 Honda Accord
    1995 Honda Civic
    1989 Toyota Camry
    1994 Dodge Caravan
    1994 Nissan Sentra
    1997 Ford F150 Series
    1990 Acura Integra
    1986 Toyota Pickup
    1993 Saturn SL
    2004 Dodge Ram Pickup

    In 2005 (the year with the most recent information [...]

  • Auto Insurance Premiums to Dip in 2007 and How To Lower Your Premiums
    April 27th, 2007

    Compared with 2006, U.S. drivers are expected to pay less for auto insurance this year, with the average premium rate dropping by half a percent. According to the Insurance Information Institute, this is the first decrease since 1999.
    The national average premium rate is estimated at $847 per policy, which translates to a savings of [...]

  • How to Shop for Auto Insurance
    March 22nd, 2007

    The typical American driver will pay less for auto insurance this year than in 2006, according to the Insurance Information Institute. This is the first decrease in insurance premiums since 1999.But the average annual cost for car insurance is still a hefty $847 (it was $851 in 2006).
    There are ways to bring down your costs:
    • [...]

  • Top Five Auto Insurance Tips for Saving Money
    March 21st, 2007

    The more you know about insurance, the more you’ll be able to save on your premiums. The good news we found a list of the most common money-saving tips to get you started:

    Insure All Your Cars on the Same Policy Most insurance companies offer a “multi-car discount” for customers who insure more than one car [...]

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