Today, Clarksville is one of the fastest growing cities in Tennessee. By 2010, it is expected to displace Chattanooga as the fourth largest city in the state.
The roads can get pretty crowded in this dynamic southern city. No matter where you’re heading in Clarksville, you need car insurance to protect you from the financial consequences of a car accident.
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How much does Clarksville car insurance cost?
Clarksville car insurance costs are based on several factors that are unique to you. Your ZIP code, your daily commute time and the age and model of your car are a big part of the equation.
But no matter where you live or work, you shouldn’t overpay for a Clarksville auto insurance policy.
Try shopping around with the help of an independent Trusted Choice agent. Our agents can work with multiple insurance companies to make sure you are getting the best deal.
After weighing out your options, the average cost of Clarksville car Insurance is $157 Per Month.
What does Clarksville car insurance actually do for me?
Car insurance is essential to protect your assets if you are in a car accident. It helps you pay for damage or injuries that you cause, and it can help pay for your own car, too.
As a Tennessee driver, you're required to have a minimum amount of liability insurance to cover you if you cause an accident.
But the minimum coverage is rarely sufficient in a serious crash.
Here’s how a Clarksville car insurance policy can help you recover if you are in a crash and how it can help you pay for a damaged or stolen car.
- Fix Your Car - We officially call this "Comprehensive & Collision Coverage." Nothing required.
- Fix Someone Else's Car - We officially call this "Property Damage Liability." Required min. $15,000.
- Pay Your Medical Bills - We officially call this "Personal Injury Protection" or "PIP." Nothing Required.
- Pay Someone Else's Medical Bills - We officially call this "Bodily Injury Liability." Required min. $25,000 per person, $50,000 per accident.
Who pays if the accident wasn't my fault?
The driver who caused the accident, of course. The truth is some people drive without car insurance.
20.1% Tennessee drivers are uninsured.
Drivers without insurance have no financial backup plan for accidents. Other drivers on the road become financially responsible for an uninsured driver’s mistakes.
That's where “uninsured motorist coverage” comes in. It pays for things like medical bills and vehicle damage if you’re hit by an uninsured driver. It offers a great deal of peace of mind, too.
Tennessee has the sixth highest percentage of uninsured drivers in the U.S. but does not require you to have uninsured motorist coverage.
What Affects the Cost of Clarksville Auto Insurance?
The average car insurance payment you might expect to pay will be based on several personal factors, such as the following:
- Your age
- Your gender
- Your ZIP code
- Your history of accidents and claims
- The kind of car you drive
- The number of cars and drivers in your household
Teen drivers and young adults typically pay more for car insurance than older, more experienced drivers. Likewise, if you have a history of accidents or filing insurance claims, you can expect to pay more too.
If you have some risk factors that will cause you to pay more, carefully consider the type of car you drive. Driving a moderately priced older vehicle can help you save on your Clarksville auto insurance.
And most importantly, work hard to keep your driving record clean.
Here are some city factors that will affect your rate:
Commute time: The more time you spend on the road, the more likely it is that you'll be in an accident.
Car insurance may cost more for drivers with longer commute times. The commute time for Clarksville drivers is close to the national average.
- National Average: 25.4 minutes
- Clarksville Average: 22 minutes
Theft in your city: Auto theft is relatively rare in Clarksville compared to the U.S., overall. This is good news for Clarksville drivers.
But remember that cars can be stolen anywhere. No matter where you live, be sure to use common-sense deterrents to protect your car from theft.
And with a Clarksville car insurance policy, you can be sure that if your car is stolen, you will receive timely assistance and reimbursement for your stolen or damaged property.
- Auto Theft Rate in U.S. (per 1,000 vehicles): 2.94
- Auto Theft Rate in Clarksville (per 1,000 vehicles): 1.11
How to Find Affordable Auto Insurance in Clarksville
You can find affordable Clarksville auto insurance with the help of a Trusted Choice insurance agent.
Our independent agents work with multiple insurance carriers, offering you numerous coverage and price options.
A local agent will ask the right questions, get to know you and help you tackle your risks so you have peace of mind.