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Carl R Wells & Associates Since 1960, Carl R. Wells & Associates has been committed to providing clients with the highest quality insurance plans combined with some of the lowest rates available in Tennessee. Our ultimate goal is to create lasting relationships with each of our clients so that we may continue providing excellent service for many years to come. Take a look at the different services we provide and get started on insuring your future today.

Your home is an invaluable resource to you and your family. It is one of the greatest forms of safety as well as comfort, which is why having it insured is one of the greatest things you can do for it.
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After moving to Gallatin with TVA in 1953 and several years of teaching and coaching at Gallatin High School and Guild Middle School, Carl Wells became a licensed insurance agent in 1960. In 1968, Mr. Wells joined the independent insurance agency of Joslin and Son. Mr. Clay Joslin started the agency in the early 1950's with his son, Jerrell, and it became one of the premier agencies in Gallatin. In 1976, Carl Wells became the sole owner of the agency and renamed the business Carl R. Wells and Associates.
I guess that you can tell by our actions what we think of Carl Wells and Associates. They write the insurance on two (2) cars, one (1) motor home, our house, and before we sold it, our boat. He treats us right and he is quick to react to any problem we have. It is not worth it to save a few bucks to change to another agency.
To put it simply, personal insurance includes coverage plans for everything that revolves around you. Your home, your car, your health, and everything in between. Personal insurance is broken up into five categories that all have plans, policies, and coverages you can count on. Take the time to go over various plans with your agent so that no matter what life throws at you, you and your loved ones are prepared. In life, there are good and bad days. And while we hope that the "good" outweighs the "bad, " that is not always the case.
Owning a business comes with a lot of risk, which is why business insurance exists. You can opt for a variety of general and specific policies to give you as much coverage as you need in areas like liability, employment, and damage costs, depending on what your company does. As a business owner, you take risks, make investments, and employ others to work for you and help your company grow.
Reviews (2)
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Arin Graves
Sep 23, 2021
The lady that Drew up my policy was great and so was the other gentleman in the office! They didn't push me to get things I didn't need just a simple insurance policy thank you!
Brian Brown
Jan 19, 2017
I've done business here for years. Kara is outstanding, as is the rest of the staff. I've never enjoyed any insurance based transactions. This is just an excellent company to do business with. They have always worked with me to help me in getting great and fair rates. I won't purchase insurance elsewhere.