Consumer Tested Strategies to Save on Clarksville Auto Insurance

Having to pay for overpriced auto insurance can empty your savings account and make it impossible to make ends meet. Comparing price quotes is free, only takes a few minutes, and is a good way to reduce premiums and put more money in your pocket.

Drivers have multiple to buy insurance from, and though it is a good thing to have a choice, it can be more challenging to compare rates.

Buying car insurance in Clarksville is quite easy. If you have car insurance now, you will most likely be able to lower your premiums substantially using these methods. Nevertheless, Indiana consumers do need to know the methods companies use to price insurance differently and apply this information to your search.

Save big with these discounts

Companies that sell car insurance don't always publicize all available discounts very clearly, so we took the time to find both the well known and the more hidden savings tricks you should be using.

  • Multiple Vehicles - Insuring multiple vehicles on one policy could earn a price break for each car.
  • Life Insurance - Larger companies have a discount if you purchase a life insurance policy as well.
  • Paperless Signup - Certain companies may give you up to $50 simply for signing over the internet.
  • Accident Waiver - Certain companies permit an accident without raising rates so long as you haven't had any claims prior to the accident.
  • Fewer Miles Equal More Savings - Fewer annual miles can earn discounted rates on garaged vehicles.
  • Service Members Pay Less - Being on active duty in the military may qualify for rate reductions.
  • No Accidents - Drivers who don't have accidents can save substantially when compared with frequent claim filers.
  • Save with a New Car - Putting insurance coverage on a new car can save up to 30% since new cars are generally safer.

Consumers should know that most discounts do not apply to your bottom line cost. Some only apply to the cost of specific coverages such as physical damage coverage or medical payments. Just because it seems like all the discounts add up to a free policy, companies don't profit that way.

For a list of insurers who offer auto insurance discounts in Indiana, click here to view.

Where Can I Get Cheap Clarksville Auto Insurance?

There are several ways of comparing rates from local Clarksville auto insurance companies. The recommended way to find the lowest rates is to use the internet to compare rates. This can be accomplished using a couple different methods.

One of the best ways to compare a lot of rates at once is to use a rate comparison form (click to open form in new window). This easy form eliminates the need for a different quote for every auto insurance company. A single, simple form gets rate comparisons .

A slightly less efficient method to get quotes online is spending the time to visit each individual company website and request a quote. For sake of this example, let's assume you want comparison quotes from , and . To get rate quotes you would need to spend time on each company's site and enter your policy data, which is why most consumers use the first method.

To view a list of companies in Clarksville, click here.

The least recommended way to get comparison rates to insurance agents' offices. Buying insurance online makes this process obsolete unless you prefer the professional guidance of a local Clarksville agent. However, consumers can compare online quotes and still use a local agent. We'll cover that shortly.

It's your choice how you get your quotes, but make sure you use identical information with every price quote. If each company quotes higher or lower deductibles it will be next to impossible to find the best deal in Clarksville. Quoting even small variations in coverage limits may cause a big price difference. And when comparing auto insurance rates, know that obtaining a wide range of quotes helps locate the best price.

But I don't know anything about car insurance

When it comes to choosing the right insurance coverage for your personal vehicles, there isn't really a perfect coverage plan. Each situation is unique so your insurance should reflect that These are some specific questions can help discover if your situation could use an agent's help.

  • Am I covered when driving on a suspended license?
  • When does my teenage driver need to be added to my policy?
  • What are the financial responsibility laws in Indiana?
  • Does my liability insurance cover pulling a trailer or camper?
  • Am I covered if I wreck a rental car?
  • Does my personal auto insurance policy cover using my vehicle for business use?
  • Is my dog or cat covered if injured in an accident?

If you're not sure about those questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form or go to this page to view a list of companies.

The best insurance company isn't always the cheapest

Cost effective auto insurance can be purchased both online and also from your neighborhood Clarksville agents, and you need to comparison shop both to have the best rate selection. Some auto insurance companies may not provide online quoting and usually these regional insurance providers provide coverage only through local independent agents.

As you go through the steps to switch your coverage, never sacrifice coverage to reduce premiums. In too many instances, consumers will sacrifice physical damage coverage only to regret at claim time that the savings was not a smart move. Your focus should be to get the best coverage possible at an affordable rate while not skimping on critical coverages.