Auto Insurance

When disaster strikes do you know if your auto insurance will have sufficient coverage?

No one wants to think about negative issues that could arise in their life. However, a knowledgeable insurance professional can walk you through the potentially damaging incidences that could occur and help you design a comprehensive plan to help ensure that the last thing that you are concerned about, should disaster strike, is money and your family’s security.

Our Insurance professionals are guided by governing principles to do what is best for our clients. We are an independent insurance agency, and as such, we can bring the best carrier with the best price for your individual needs. People can not be placed into one size fits all packages and neither can your insurance needs.

There is a famous quote that says, “Knowledge Equals Power”. We believe that:

“Knowledge + Action = Powerful Results”

Complete this form and one of our Agency Producers will compare several insurance companies to find the best rate for you.


At RS Financial Group, your top 5 Insurance concerns are our top 5 Insurance concerns.

1. Price- As an independent insurance agency, we can shop your rate for you.

2. Claims handling- We want you to call us first before reporting your claim to the carrier so we can make sure to provide the best customer service experience during the claims process.
*** In any Emergency situation always dial 911 or your local police department first.

3. Availability- We are your personal insurance team and we are local!

4. Customer service- At RS Financial Group, LLC we pride ourselves on our over the top customer service experience. We work for you!

5. Education- RS Financial Group professionals have a combined total of over 20 years in the Insurance industry and continue to educate our sales force on product and industry wide knowledge.

What factors make up my auto rate?

Marital Status
Vehicle Type
Garaging Location
Driving Patterns
Driving History and Claims
Credit Score

How to Decide How Much Coverage You Need

When speaking with your insurance professional be sure to explain your personal exposure to risk. Meaning, insurance is the tool that protects your assets from being awarded to an injured party should you be deemed at fault in an accident. If you do not select the proper limit coverages you could expose you and your family to extensive out of pocket expenses and damages awarded by a judge. To make sure this does not happen to you, make sure you select high enough liability limits to protect you from further out of pocket claims expenses or judgements awarded.

When deciding on your insurance coverage limits, one should also consider their own personal driving record and habits as well as distances driven to and from work every day and the terrain or road conditions you are exposed to on your daily route.

Collision coverage: covers you for damage to your car in an accident or damage that occurs from hitting an inanimate object for example if you hit a tree, light post or fence. Comprehensive coverage addresses damage that didn't occur in a collision — such as from fire, theft or flood. It also covers damaged windshields.

Locations: 5050 Poplar Avenue,Suite 2405 & 1710, Memphis, TN 38157
901-312-1630 | 901-312-1638 | 844-224-7680

Copyright 2016 © All rights reserved.

IRS Circular 230 Disclaimer: To ensure compliance with IRS Circular 230, any U.S. Federal Tax Advice Provided in this communication is not intended or written to be used, and it cannot be used by the recipient or any other taxpayer (I) for the purpose of avoiding tax penalties that may be imposed on the recipient or any other taxpayer, or (II) in promoting, marketing or recommending to another party, a partnership or other entity, investment plan, arrangement or other transaction addressed herein.

Investment Advisory Services offered through Virtue Capital Management, LLC; A SEC registered investment advisor. Virtue Capital Management is independent of RS Financial Group.

The firm only transacts business in states where it is properly registered, or is excluded or exempted from registration requirements. Please be advised that presently, Chris Sumner holds Series 65 Licenses. For residents of other states in which registration is not held, proper licenses and registrations must be obtained by Chris Sumner before proceeding further. No part of this communication should be construed as an offer to sell any security or provide investment advice or recommendation.