Why Use an Independent Insurance Agent, and What Happens When You Call Us

We are not tied to one company's product shelf, so when you ask us for a quote we shop it across the carriers we represent and bring back what actually fits. That is the short answer to why use an independent insurance agent, and the rest of this page is the long one: who you talk to, what we ask, and how fast it moves.

Or call us at (615) 826-0156.

One Agency, One Conversation, More Than 50 Carriers

Going direct gets you one company's answer and no way to tell whether it was a good one. We have been independent in Hendersonville since 1993, which is 33 years of writing coverage in this market, and we place policies with more than 50 carriers rather than a single company's line.


That means one phone call instead of twelve, and one set of quotes lined up side by side so the differences are visible. You are not filling out the same form five times for five companies, and your phone is not ringing for a month afterward.


You can see the carriers we work with before you ever call.

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A pair of hands holding a heart with a cross on it.

Here Is Exactly What Happens After You Ask for a Quote

Most of this business happens by phone, and it moves faster than people expect. If you would rather sit down with us, our office is at 131 Indian Lake Road, STE 202 in Hendersonville, directly across from Hendersonville High School, and we schedule in-person consultations ahead of time.

Step 1:

You reach out

Call (615) 826-0156, or start with a quote request and send us the form. Either one lands with us the same way.

Step 2:

We ask the questions we need

Karen Coldiron or Sawyer Lee will ask what you own, what you drive, and what coverage you already have in place. Karen and Sawyer share the client-facing work between them, so the same people stay on your file.

Step 3:

We quote it across the carrier options

We take your information to the carriers we represent and price the same coverage in more than one place.

Step 4:

We send the quotes back and walk through them

You get the numbers and an explanation of what is different between them, in plain language, so you can compare coverage rather than just premium.

Step 5:

We carry it through to the policy in your hand

Once you pick one, we handle the underwriting and the issuance and follow it until your policy is issued.

What to Have Handy Before We Talk

None of this is required to start, and we can work around anything you cannot find. Having it in front of you just shortens the call, whether we are quoting personal coverage we write or coverage for your business.

  • Your current declarations page for each policy you are replacing, which lists your existing limits and deductibles

  • Security system and safety feature credits

  • Driver information, including names, dates of birth and license numbers for everyone in the household who drives

  • SR-22 filings for drivers who need one on record with the state before they can drive again.

  • Anything you want covered specifically, such as a boat, an RV, a motorcycle, jewelry or a collector car

  • For a business, your payroll or revenue figures and a short description of the work you do

How Long Does a Quote Take?

Questions that come in through the contact form typically get a response within one business day. Our office is open Monday through Thursday from 9am to 5pm and Friday from 9am to 4pm, and calls placed during those hours usually get answered by a person rather than a queue.


A straightforward home and auto quote often comes back the same day once we have your information. Business coverage and anything that needs underwriting review takes longer, and we will tell you up front which one you are looking at.

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A pair of hands holding a heart with a cross on it.

Questions Worth Asking Any Insurance Agency

If you are figuring out how to find an independent insurance agent, these four questions separate them quickly. Here are our answers.

Which carriers do you represent?

More than 50, across personal, business and life coverage, which is what lets us compare the same policy in several places at once.

Who will I talk to next time I call?

Karen or Sawyer, the same people who set your coverage up. Bill Yon has been running this agency since 1993 and is here too.

Will you review my policy at renewal?

Yes. Rates move and so does your life, so renewal is when we look at whether the carrier you are with is still the right one.

Will you help me file a claim?

Yes. You call our office and we walk you through the filing and stay with it.

A Hendersonville Office You Can Actually Walk Into

When someone here searches for an insurance agency near me, this is the address that comes up: 131 Indian Lake Road, STE 202, Hendersonville, TN 37075. We serve Hendersonville, Nashville, Gallatin and surrounding areas from that one office. Between Bill and Karen there are more than 60 years of combined property and casualty experience, and the agency holds 5-star ratings on both Facebook and Yelp.


You can meet the team you'll be working with before you call, or just pick up the phone.

A woman is walking down the street holding a cup of coffee.
Uzziah S.

Rini F.

Cris P.

Steve N.

Mike D.

Deana S.

Donnie W.

Beverly L.

Timothy C.

Mary C.

Ken B.

Brian C.

B R.

Seth B.

Connie B.

Mike B.

Sandra H.

Levin F.

Emerald S.

Eric G.

Teresa T.

Carrie W.

Elizabeth D.

Keri M.

Joe S.

Paul F.

Ej Y.

Paul L.

Brett B.

Dan T.

Ken

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Common Questions About Working With an Independent Agent

  • What happens when I ask an insurance agent for a quote?

    At The Bill Yon Agency, you call or send the form, Karen Coldiron or Sawyer Lee asks what you own, what you drive and what you have in place now, and we price that coverage across the carriers we represent. You get the quotes back with an explanation of the differences, and once you choose one we handle the underwriting and issuance.

  • Why use an independent insurance agent instead of going direct?

    A direct company can only sell you its own products, so you see one price for one policy. An independent agency represents many carriers, so the same coverage gets priced in several places and you see the options side by side. We have been independent in Hendersonville since 1993 and work with more than 50 carriers.

  • What do I need to get an insurance quote in Hendersonville, TN?

    Your current declarations page, vehicle and driver details for anyone in the household who drives, and the property address are the fastest starting point. If you do not have all of it, we can still begin and fill in the gaps as we go.

  • How long does it take to get an insurance quote?

    Contact form questions typically get a response within one business day, and a straightforward home or auto quote often comes back the same day we have your information. Business policies and anything requiring underwriting review take longer, and we tell you which one you are looking at when we start.

  • Does it cost anything to get quotes from an independent agency?

    No. Quoting is free and there is no obligation to buy. If nothing we find beats what you have, we will tell you that too.

  • Do I have to come to your office?

    No. Most of our business is handled by phone at (615) 826-0156 and through email. If you would rather sit down with us, our Hendersonville office is at 131 Indian Lake Road, STE 202, across from Hendersonville High School, and we schedule in-person consultations ahead of time.

Let's Talk

Ready to See What We Can Find You?

Send us what you have and we will take it from there. There is no obligation to buy, and the only calls you get come from our office. What you get back is a set of quotes and a conversation about which one makes sense for you.

Or call the office at (615) 826-0156 and ask for Karen or Sawyer.