Best Clarksville, TN Auto Insurance in 2024

Looking for cheap auto insurance in Clarksville, TN? From AutoInsuranceEZ.com, you’ll find the most affordable insurance rates near you. To get free car insurance estimates offered by the top providers right now, type in your local zip code in the quote box in this posting.

Clarksville has a long history dating all the way back to the late 18^th century. Not only is Clarksville the oldest incorporated city in all of Tennessee, but it is also home to the oldest newspaper, The Leaf-Chronicle. It is also home to Fort Campbell, the US army base which straddles the Kentucky-Tennessee border.

• Fun fact: you won’t see many walkers or canes here, because Clarksville is #66 on the famous list of “Top 100 cities with youngest residents (pop. 50,000+)”. Uncover more about Clarksville

Auto Insurance Coverage Requirements in Tennessee

Driving legally in Clarksville requires:

Coverage	Requirements	Most Common
Bodily Injury Liability	25,000/50,000	100,000/300,000
Property Damage Liability	15,000	50,000
Uninsured Motorist Bodily Injury	Not required	100,000/300,000
Medical Payments	Not required	2,000
Collision	Not required	500 deductible
Comprehensive	Not required	100 deductible

Make sure you understand all the aspects of your insurance policy before you sign on the dotted line. For instance, just purchasing the state mandatory minimum coverage won’t pay a dime if your car gets stolen, or if someone else hits you and flees the scene.

This may seem hard to believe, but right now there are deals happening in Clarksville which can lower your Tennessee car insurance premiums on basic coverage down to $32/mo*! The only catch is that you have to know how to compare rates, and take advantage of special discounts which most people don’t even think to ask about. This may be why the state average for insurance is around $116 or more monthly.

 

For Clarksville, both State Farm and Erie are offering some pretty low rates right now. And while these prices might not be around forever, you should proceed with caution before rushing to switch to a lower premium. After all, they might be offering different policies and lower coverage options, or they could have poor customer service. And is a lower premium each month worth putting up with less service?

Organizations that provide you with auto insurance plans consider numerous factors when calculating quotes, which include driving experience, driving violations, your credit rating, miles driven each year, and whether or not you have a theft protection device installed. Also take into account that premiums can differ from one company to another. To make sure that you are still getting the cheapest price, examine cheap Clarksville auto insurance rates online.

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Major Car Insurance Factors in Clarksville

The different ways in which a person’s car insurance rates might be calculated are indeed numerous. But don’t worry, there are still many ways you can have an influence on the final price tag. Listed on this page are a few tips and strategies to maximize your savings:

Your Zip Code

The zip code in which you park your vehicle every night will dramatically alter your car insurance rates. On average, car insurance will be less costly in outlying locations because a lesser number of automobiles means a reduced possibility that you will get involved in a wreck with another motor vehicle. The populace of Clarksville is 142,357 and also the typical household income is $47,631.

 

Automotive Accidents

Yes, Clarksville has over 100,000 residents – but even considering the sizeable population, serious accidents are still all too frequent in the area. And the news gets even worse, because areas with high accident statistics usually have automatically higher insurance rates, too. But you can ask your insurer what, if any, safe driver discounts you might qualify for.

 

Auto Thefts in Clarksville

All insurance providers are concerned regarding auto theft; this is especially valid for drivers who live in larger cities. The greater the population, the greater the probability that you may eventually have to file an auto theft claim. As recently as 2013, there were only 156 stolen cars in Clarksville. But just because auto theft rates are going down doesn’t mean you shouldn’t have some Comprehensive coverage on your policy in case of theft.

 

Your Credit Score

Some companies are more lenient than others, but the bottom line is that if you have less than perfect credit, your insurance company will use that as an excuse to raise your premium costs. If you live in Clarksville and also suffer from poor credit, try getting quotes from companies like Nationwide or Allstate.

 

Your Age

Youth may be wasted on the young, but inexpensive automotive insurance premiums certainly are not. It can be difficult to insure a teenage or student driver for an affordable rate, unless you can prove good grades and drivers education courses have made you a safer, more responsible motorist.

 

Your Driving Record

OF course, it probably goes without saying that the cleaner your driving record is, the better it will be for lowering your monthly premium. And for those imperfect drivers with a violation or two on their record, ask around about Accident Forgiveness discounts. Some providers are offering them, but not all.

 

Your Vehicle

There are certain circumstances, such as with leased vehicles and newly financed ones, where you will have to buy more insurance coverage than you might think is necessary. But the more coverage you have, the less you will have to pay if anything actually happens to that vehicle – and that can come in handy if your luxury vehicle is ever damaged, stolen, or totaled.

 

Minor Car Insurance Factors in Clarksville

Once you take care of the major factors, you might be able to tweak your monthly payment a bit further by altering any of the following:

Your Marital Status

In truth, anyone can take advantage of bundling discounts as long as you pay for more than one insurance policy each month, and your provider offers both or all of your financial products. But with a spouse, you can double the bundling fun!

Your Gender

Here’s a surprising fact that not many people may know: there is no longer any set industry standard for calculating your insurance payment based on gender. This is because scientific data has finally proven something that all intelligent people have known for years: that there is no statistically significant difference linking accident likelihood to a specific gender.

Your Driving Distance to Work

Work commutes are about average in Clarksville, usually only lasting between 18 and 26 minutes for most drivers. Nearly 80% of residents will choose to get around by themselves in their own truck or car, while 4-14% will probably commute.

Insurance companies do evaluate your overall premium based on how many miles you drive, what time of day you usually drive, and why you’re driving in the first place. But out of all of those factors, the only thing you really need to worry about is whether or not your vehicle is registered for business use – because that can raise your premium by more than 10% on average.

Your Coverage and Deductibles

Do you have high monthly payments? Check your deductible. If it is fairly low, then that may be part of the reason you’re paying so much each month. Just be sure to understand that if you raise your deductible in order to get a lower monthly rate, it will be that much more of a financial burden should you ever get into an accident and have to file a claim to get your vehicle operational again.

Education in Clarksville, TN

Nearly 29% of the population of Clarksville has a high school diploma hanging on their wall at home, while an additional 19% have at least one year of college experience behind them. This is a good start, but if you want to increase the savings you get from your auto insurance company, getting an advanced degree with get you significantly lower rates.

Interested in a public option for your higher education needs? Look no further than Austin Peay State University. There are also private institutions, such as the North Tennessee Bible Institute. For a practical degree in less time, you might also look into the Tennessee Technology Center or the Miller-Motte Technical College.

You shouldn’t permit a poor auto insurance provider persuade you into purchasing a car insurance policy which is not right for you. Indeed, the quantity of related information needed in order to estimate your individual risk profile may be overwhelming, however comparison internet sites like this might help make your search quicker. Just input a couple of details below, and allow us to take it from there.

How We Conducted Our Car Insurance Analysis

*We calculated our average rate based on the following metrics: a married, 34 year old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home. Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.

Sources:

Tennessee Department of Commerce & Insurance

Tennessee Department of Finance & Administration

Department of Highway Safety and Motor Vehicles

City-Data.com

Census.gov

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