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Best Local Car Insurance Agencies in Clarksville

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Anderson-Perry Insurance logo
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License Verified:

License: 2029174

Tennessee Department Of Commerce & Insurance

Anderson-Perry Insurance

7185 Whites Creek Pike, Nashville, TN 37080
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  • Multiple Carriers

Business Description

Anderson-Perry Insurance is an independent agency that services Clarksville and several Tennessee counties. Since 1975, it has been customizing auto insurance policies that protect vehicle owners against financial loss in cases of thefts or accidents. Its agents provide quick and accurate quotes that cover clients' insurance needs and current situations. They also offer a no-obligation review and comparison of insurance policies. Anderson-Perry Insurance uses a partnership approach when interacting with clients to establish a lasting relationship with them.

License Verified:

License: 2029174

Tennessee Department Of Commerce & Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (3)
Google
5.0 / 5 (1)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
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Augustine Insurance & Financial Services, Inc. logo
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License Verified:

License: 755723

Tennessee Department Of Commerce & Insurance

Augustine Insurance & Financial Services, Inc.

111 North Riverside Drive, Clarksville, TN 37040
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  • Bundling Option

Business Description

Augustine Insurance & Financial Services, Inc., is a locally owned and operated insurance agency in Clarksville. Since 1972, it has been providing tailored auto insurance policies. Standard coverage options include liability, collision, comprehensive damage, uninsured/underinsured motorist, and medical payments. More options can be added, such as SR-22 insurance for high-risk drivers and coverages for learners. The company's agents shop for insurance quotes from multiple A+ carriers to provide clients a variety of options that are suitable for their needs and budgets.

License Verified:

License: 755723

Tennessee Department Of Commerce & Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.2
Google
4.6 / 5 (117)
Facebook
5.0 / 5 (7)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Beth Null Dorris logo
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License Verified:

License: 698963

Tennessee Department Of Commerce & Insurance

Beth Null Dorris

2305 Memorial Boulevard, Springfield, TN 37172
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  • Multiple Carriers

Business Description

Beth Null Dorris is a car insurance agent serving the Clarksville community. Dorris has experience being a State Farm agent since 1989. Dorris and her team are committed to helping clients prepare and recover from unexpected situations concerning their cars. She offers policies that can help protect clients and their cars in case of accidents or natural disasters, making sure to prioritize and address the client's unique needs. Dorris celebrates inclusivity and diversity.

License Verified:

License: 698963

Tennessee Department Of Commerce & Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.8 / 5 (58)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
BFS Insurance Group logo
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License Verified:

License: 6232

Tennessee Department Of Commerce & Insurance

BFS Insurance Group

1820 Madison Street, Clarksville, TN 37043
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  • Multiple Carriers

Business Description

BFS Insurance Group is a Clarksville-based independent insurance agency specializing in providing intelligent insurance solutions throughout Tennessee. The agency offers auto insurance providing protection against financial losses for clients' car or truck if it is stolen, damaged or destroyed by fire, damaged in a car accident that doesn’t involve any other vehicles, or damaged by an uninsured driver. Representing many different insurance companies that offer a wide range of insurance solutions, the agency also offers off-road vehicles, motorcycles, RV, watercraft, and classic car insurance.

License Verified:

License: 6232

Tennessee Department Of Commerce & Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (54)
Facebook
5.0 / 5 (20)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Hamric Insurance Group logo
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License Verified:

License: 2408644

Tennessee Department Of Commerce & Insurance

Hamric Insurance Group

798 Iron Wood Circle, Clarksville, TN 37043
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  • Multiple Carriers

Business Description

Hamric Insurance Group takes care of the insurance demands of clients in Clarksville and neighboring areas. The agency offers a wide range of insurance options, including car, home, boat, commercial, and life insurance. It represents a vast network of insurance companies to ensure clients find the best auto insurance solutions that meet their needs. The agency is committed to creating strong relationships with its clients. Hamric Insurance Group is owned by John Hamric, who is an Army veteran with years of experience in the insurance and financial industry.

License Verified:

License: 2408644

Tennessee Department Of Commerce & Insurance

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Higgins Insurance - Clarksville logo
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License Verified:

License: 4079

Tennessee Department Of Commerce & Insurance

Higgins Insurance - Clarksville

120 Center Pointe Drive, Clarksville, TN 37040
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  • Motorcyle & ATV
  • Golf Cart & Scooter

Business Description

Higgins Insurance is a family-owned agency based in Clarksville that has been offering auto insurance services and solutions to individuals since 1897. Archie Higgins established the business with the goal of protecting people through its customized car insurance plans, which include medical, personal injury protection, liability, collision, and comprehensive coverages. As an independent agency, it works with various carriers to provide options for clients' preferred policies. Higgins Insurance also deals with life, home, condo, and renters' insurance.

License Verified:

License: 4079

Tennessee Department Of Commerce & Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.7 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
holmanandholmanins.com logo
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License Verified:

License: 5770

Tennessee Department Of Commerce & Insurance

holmanandholmanins.com

611 Main Street, Springfield, TN 37172
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  • Motorcyle & ATV
  • Golf Cart & Scooter

Business Description

Holman & Holman Agency, Inc., is a family-owned insurance company that covers clients in Clarksville. Its agents offer auto insurance plans and talks with clients to assess the possible risks to their car. The company's options include standard coverage for general damages and high-risk coverage for frequent collisions or malfunctions. The company has been providing insurance plans since 1969 and caters to owners of other vehicles, like motor homes and ATVs. It also covers special collector's item or classic cars.

License Verified:

License: 5770

Tennessee Department Of Commerce & Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (2)
Hometown Insurance Services, LLC - Goodlettsville logo
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License Verified:

License: 2403466

Tennessee Department Of Commerce & Insurance

Hometown Insurance Services, LLC - Goodlettsville

608 North Main Street, Goodlettsville, TN 37072
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  • Multiple Carriers
  • Motorcyle & ATV

Business Description

Hometown Insurance Services, LLC, provides auto coverage solutions to clients in Clarksville. It offers policies that cover physical damages to vehicles caused by collisions or non-collision incidents such as theft. It also offers options that cover personal injury and property damage liability, uninsured motorists, rental reimbursement, and medical reimbursements for injuries sustained by a driver or passenger in a policyholder's vehicle. Hometown Insurance Services also counsels clients on the scope, limitations, and state requirements imposed on their policies.

License Verified:

License: 2403466

Tennessee Department Of Commerce & Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.3
Facebook
4.3 / 5 (6)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Mid South Insurance logo
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License Verified:

License: 2316203

Tennessee Department Of Commerce & Insurance

Mid South Insurance

35 B Crossland Avenue, Clarksville, TN 37040
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  • Multiple Carriers

Business Description

Mid South Insurance is a locally owned and operated independent agency that offers a range of insurance options for cars, boats, and recreational vehicles. In addition to the minimum required insurance, the auto insurance policy also includes optional coverages such as rental reimbursement, income loss, and extraordinary medical benefits. With an emphasis on serving the communities in which it operates since its inception in 1955, the agency caters to clients in Clarksville and the surrounding areas.

License Verified:

License: 2316203

Tennessee Department Of Commerce & Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (3)
Facebook
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
MSC Insurance logo
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License Verified:

License: 2443

Tennessee Department Of Commerce & Insurance

MSC Insurance

1997 Madison Street, Clarksville, TN 37043
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  • Multiple Carriers

Business Description

Established in 1946, MSC Insurance is a locally owned and independent agency that offers car insurance services. It provides a comprehensive suite of insurance solutions for individuals, families, and businesses in Clarksville and the nearby areas. Its car insurance plans protect clients against potential financial losses that are associated with car accidents and theft. Its team of agents uses modern technology and innovates its programs, such as the MSC360 risk management process, to customize plans for customers.

License Verified:

License: 2443

Tennessee Department Of Commerce & Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (16)
Facebook
5.0 / 5 (10)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Zander Insurance logo
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License Verified:

License: 2002205

Tennessee Department Of Commerce & Insurance

Zander Insurance

6213 Charlotte Pike, Nashville, TN 37209
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  • Multiple Carriers
  • Bundling Option

Business Description

Zander Insurance is a Tennessee-based insurance agency providing insurance products and services to residents of the Nashville and Clarksville areas. Its team of insurance specialists is proficient in building comprehensive car insurance policies catering to the clients' specific needs and requirements. Their auto policies are inclusive of coverage for property damage and bodily injury liability, collisions and other accidents, property damage and theft, and gap protection. Zander Insurance represents a wide selection of carriers, including Auto-Owners, SafeCo, The Hartford, and AAA.

License Verified:

License: 2002205

Tennessee Department Of Commerce & Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.0
Google
3.9 / 5 (229)
Facebook
4.2 / 5 (173)
Yelp
4.0 / 5 (159)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Back to Providers

Frequently Asked Questions

Introduction

A way to stay protected while on the road, car insurance offers a financial safety net should accidents occur, regardless of who's at fault. The right car insurance agency can be very valuable, providing a way to purchase an ideal level of auto insurance coverage for personal circumstances. Agencies can help customers select the most beneficial coverage options while saving money on their insurance plan. With help from a qualified agency, it's possible to feel safe and secure behind the wheel.

What is car insurance?

Car insurance is a form of insurance that can cover damages to cars, drivers, passengers, and other property when an accident occurs. If another car crashes into a driver, or if a driver causes an accident, car insurance will pay most or all of the cost of repairs.

How does car insurance work?

Car insurance functions in a way similar to other insurance policies. In exchange for a monthly premium payment, an insurance company assumes liability should an accident occur up to the coverage levels specified in a prearranged policy. This means if an accident occurs, the driver won't have to pay the full cost of repairs out of pocket.

What does car insurance cover?

Car insurance coverage can vary from one plan to another. It typically includes coverage for damages to a vehicle from accidents, medical expenses for people injured in accidents, and related costs after accidents with uninsured drivers. Some policies may cover additional perks, such as roadside assistance or a rental car during post-accident repairs.

Does car insurance cover theft?

Comprehensive car insurance generally includes theft protection. This means if a car is stolen and isn't recovered, the insurance agency will pay for the value of the car. However, comprehensive insurance that covers theft is optional coverage.

How does a car insurance deductible work?

A deductible is an amount that must be paid out of pocket before insurance coverage is applied. If a driver with a $1,000 deductible gets in an accident that causes $10,000 in damage, the driver must pay $1,000 and the insurance company pays the remaining $9,000. Deductibles amounts vary between coverage types.

Do you need insurance to register a car?

Yes, drivers need a valid car insurance policy to register a vehicle in most U.S. states. Car insurance is a legal obligation, and the DMV may suspend registration if insurance isn't maintained. Some banks and other lenders may also require a certain level of insurance before funding an auto loan.

Can you get car insurance without a license?

In most states in the United States, a license isn't required to purchase car insurance. This means that an unlicensed driver can purchase a policy for a licensed driver. However, most insurance companies won't allow an unlicensed driver to be listed on a policy, either as a primary or a secondary driver.

Do you need car insurance?

Yes. Car insurance isn't optional, and neglecting to purchase and maintain a minimum level of coverage can result in penalties, such as the suspension of your vehicle registration or driver's license. In addition, the cost of a car accident can add up to tens of thousands of dollars, which can be an unsustainable burden without insurance.

How much is car insurance a month?

Car insurance costs depend on factors such as where a person lives and their driving history. Drivers living in states with high insurance rates who've had accidents will pay more than drivers with clean records living in lower-cost states. In general, monthly car insurance costs can range from $50 to $500 or more.

Why is my car insurance so high?

Car insurance can be expensive for many reasons. Unsafe or expensive cars, a history of accidents, DUIs, and having multiple cars and drivers on a policy can all lead to higher monthly costs. Driver age may also play a role. For example, teens are more expensive to insure than adults.

How can I get lower car insurance?

Getting lower-cost car insurance may be possible depending on your personal circumstances. To find a cheaper policy, drivers are encouraged to get prices from multiple companies, bundle car insurance with home insurance, or use monitoring devices to demonstrate safe driving.

Do you need insurance to rent a car?

In most areas, car insurance isn't required to rent a car. However, most personal car insurance policies extend to rental vehicles. For those who don't have insurance coverage and want to stay protected, most car rental agencies offer supplemental insurance coverage for an added fee.

Does my car insurance cover rental cars?

Most car insurance policies do cover rental cars. However, this coverage isn't universal. Before renting a car, it's recommended that you check your policy details or speak to your insurance agent to be sure rental car coverage is included at an appropriate level.

Can I insure a car not in my name?

In most states, it's possible to insure a car that isn't registered in the name of the policyholder. This commonly occurs when a parent purchases and insures a car for an adult child. However, many states and insurance agencies require the policyholder to have a financial stake in the vehicle they're insuring.

Can you cancel car insurance at any time?

In general, it's possible to cancel car insurance at any time, provided proper notice is given. Notice requirements are outlined in policy documents. Unlike health insurance that can require personal circumstance changes or a specialized enrollment period, auto insurance policies can be canceled or adjusted at any time.

How can I change car insurance?

Changing car insurance is as easy as notifying your current car insurance company and purchasing a new policy from a different agency. Even policies that have been paid up front can be canceled, and companies will issue a refund for any time remaining on the policy term.

How do you become a car insurance agent?

In most states, working as a car insurance agent requires having a state license for selling insurance products. Generally, this process involves taking classes and earning a passing score on a licensing exam. Some agencies may allow individuals to shadow or assist current agents while working on their licensing requirements.

How do car insurance agents get paid?

Most car insurance agents are paid on a commission basis. This means they receive a percentage of the amount their clients pay for their insurance coverage. Some agents may also earn a flat salary. Commissions range from 5% to 20%, on average, but this can vary based on the company or policy type.

How much do car insurance agents make?

Car insurance agent earnings depend on commission percentages, any base salary in addition to commission, sales proficiency, and sales experience. According to the Bureau of Labor Statistics, the average insurance sales agent makes around $52,000 per year. This may vary from state to state and company to company.

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