Tips for Researching a Clarksville Tennessee Insurance Agent

When shopping for auto insurance, selecting the best Clarksville auto insurance agent for your needs is more difficult than just calling the closest agent. You require a good agent, and also the lowest rates for auto insurance in Clarksville.

Lots of insurance agencies contend for your hard-earned dollar, and it can be difficult to compare rates to get the cheapest price

Your local neighborhood insurance agent

Good agents can answer important questions and help in the event of a claim. One of the best bonuses of comparing insurance prices online is that you can obtain the lowest rates and still choose a local agent.

After filling out this simple form, your coverage information gets sent to companies in Clarksville who will give you bids to get your business. There is no need to drive around because quoted prices will be sent directly to your email. How cool is that?! Get lower rates and work with a local agent.

Picking an auto insurance agent requires more thought than just the premium amount. Any agent should be forthright in answering these questions:

  • Is the agent and/or agency licensed to do business in Tennessee?
  • Who are their largest clients?
  • Is their price quote a firm figure or are their hidden costs?
  • Is working in the agency their full-time job?
  • Are there any discounts that you might be missing?
  • How are they compensated?
  • How much will you save each year by using a higher deductible?

What types of insurance agents are in Clarksville?

When finding an insurance agent, you must know there are a couple types of agencies that you can select. Insurance agencies in Clarksville are classified as either independent or captive.

Captive Agents

These agents work for only one company such as Allstate, Farmers Insurance, State Farm and AAA. These agents are not able to give you multiple price quotes so they have no alternatives for high prices. They are usually quite knowledgeable on their products and sales techniques which can be an advantage.

The following are captive agencies in Clarksville that are able to give price quote information.

Allstate Insurance – 267 Stonecrossing Dr # B – Clarksville, TN 37042 – (931) 905-0345
Shelter Insurance – 579 S Riverside Dr – Clarksville, TN 37040 – (931) 552-3465
State Farm Insurance – 211 W Dunbar Cave Rd # A – Clarksville, TN 37040 – (931) 553-6700
Farm Bureau Insurance – 629 N Riverside Dr – Clarksville, TN 37040 – (931) 645-4512

Independent Agents (or Brokers)

Independent agencies are not locked into one company so they have the ability to put coverage with multiple insurance companies and potentially find a lower price. To move your coverage to a new company, they simply move the coverage in-house and that require little work on your part.

When comparing rates, we recommend you include multiple independent agents to have the most options to choose from.

Shown below are independent agents in Clarksville who can help you get comparison quotes.

Nationwide Insurance – 1995 Madison St # B – Clarksville, TN 37043 – (931) 906-5100
Independent Agency – 1713 Fort Campbell Blvd – Clarksville, TN 37042 – (931) 920-5700
Direct General Ins Agency – 2463 Fort Campbell Blvd – Clarksville, TN 37042 – (931) 552-4494
Insurance USA – 2644 Wilma Rudolph Blvd – Clarksville, TN 37040 – (931) 503-2700
Direct General Ins Agency – 1498 Madison St – Clarksville, TN 37040 – (931) 552-4494

For a complete listing of licensed insurance agents in Clarksville, please click here.

Upon getting good answers and a good coverage price, you may have just found an auto insurance agent that is a good match to provide auto insurance coverage.

Isn’t it cheaper to buy from online companies like GEICO?

Insurance agents are perfect for certain consumers, but you can also buy Tennessee car insurance direct online. Some car insurance companies like Allstate and State Farm who have local Clarksville agents also let you buy direct on their websites, and consumers should do that.

If you’re uneasy about not receiving proper advice when buying car insurance direct, don’t be too concerned. Insurance companies provide customer service for answering any questions you have. In addition, they usually offer live help and an extensive research center so buying online is not difficult.

Can buying online lower your premiums? The answer to that question is complicated because there are a lot of things which can raise or lower premium rates. It’s logical to say that going direct cuts out the agent as a middleman. For most online online companies, however, there are high advertising and marketing costs so the rates may be similar to buying from an agent.

Best insurance agents in Clarksville TN

Even more information can be found at the Tennessee Department of Commerce and Insurance website. Visitors are able to find out which companies have the most complaints, discover disciplinary actions, and learn about insurance regulations.

Shop smart and save

Cheap auto insurance can be found online as well as from independent agents in Clarksville, and you should be comparing both in order to have the best chance of saving money. Some companies don’t offer you the ability to get quotes online and many times these regional insurance providers only sell through independent insurance agents.

People switch companies for a number of reasons such as not issuing a premium refund, being labeled a high risk driver, high rates after DUI convictions and even high prices. Regardless of your reason for switching companies, finding a new company is actually quite simple.