Do you get overwhelmed by the dozens of auto insurance choices available to you? There are such a large number of options that it can turn into hard work to find the best premium rates. Clarksville has lots to offer, but high auto insurance prices can make it hard for many residents to afford.

A recent NerdWallet.com study revealed that almost 70% of insureds have purchased from the same company for at least four years, and almost half have never compared rate quotes at all. Most drivers in Indiana can save hundreds of dollars each year by just comparing quotes, but most tend to underestimate the big savings they would realize if they switched to a cheaper policy.

It's smart to quote other rates quite often because insurance prices are rarely the same from one policy term to another. If you had the best rates on auto insurance on your last policy you may be paying too much now. Ignore everything you know about auto insurance because I'm going to teach you the tricks you need to know to find lower rates on auto insurance.

This information will instruct you on the best way to buy inexpensive auto insurance. If you have coverage now, you will be able to buy cheaper auto insurance using these techniques. But Indiana car owners do need to understand the way insurance companies compete online and use it to your advantage.

Best companies for Indiana auto insurance

The companies shown below are ready to provide quotes in Clarksville, IN. If more than one company is shown, we suggest you click on several of them to get the most competitive price.

Insurance Costs for Popular Vehicles in Clarksville
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Equinox LT AWD $946 $473 $79
Chevrolet Impala LTZ $700 $350 $58
Chevrolet Malibu LTZ $1,048 $524 $87
Chevrolet Silverado Crew Cab Hybrid 2WD $1,272 $636 $106
Dodge Ram Crew Cab SLT 4WD $870 $435 $73
Ford Escape Limited 4WD $790 $395 $66
Ford Explorer Eddie Bauer AWD $1,098 $549 $92
Ford F-150 XL Regular Cab 2WD $648 $324 $54
Ford Focus SES 4-Dr Sedan $766 $383 $64
Honda Accord LX-P 4-Dr Sedan $702 $351 $59
Honda CR-V LX 4WD $808 $404 $67
Honda Civic EX-L 2-Dr Coupe $810 $405 $68
Jeep Wrangler Sport 4WD 2-Dr $714 $357 $60
Kia Optima EX $1,138 $569 $95
Mazda 3 I Sport 4-Dr Sedan $1,118 $559 $93
Nissan Altima 2.5 S 4-Dr Sedan $700 $350 $58
Toyota Camry LE $1,074 $537 $90
Toyota Corolla LE $688 $344 $57
Get Your Own Custom Quote Go

Prices above based on married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Indiana minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, multi-vehicle, and safe-driver. Premium amounts do not factor in your specific Clarksville location which can decrease or increase coverage rates substantially.

Comparison of full coverage and liability-only policies

The diagram below visualizes the comparison of Chevrolet Silverado insurance premiums with full physical damage coverage compared to only buying liability only. Data assumes no claims or driving violations, $100 deductibles, married female driver, and no discounts are applied.

Chevrolet Silverado rates are for example purposes only. To get rates for your specific vehicle, click here.

When to drop comprehensive and collision coverage

There is no definitive formula for phasing out physical damage insurance, but there is a general guideline you can use. If the yearly cost of full coverage is more than about 10% of any settlement you would receive from your insurance company, then you might want to think about dropping full coverage.

For example, let's pretend your Chevrolet Silverado claim settlement value is $3,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, the most you would get paid by your company is $2,000 after paying your deductible. If it's costing you more than $200 annually to have full coverage, then you might want to think about dropping full coverage.

There are some cases where buying only liability insurance is not advised. If you haven't paid off your loan, you must maintain physical damage coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if your finances do not allow you to purchase a different vehicle if your current one is totaled, you should maintain full coverage.

Auto insurance discounts help lower rates

Auto insurance is not inexpensive, but there could be available discounts that you may not even know about. A few discounts will be applied at the time you complete a quote, but some discounts are required to be asked about before being credited.Auto insurance discounts

As a footnote on discounts, some credits don't apply to all coverage premiums. Some only reduce the cost of specific coverages such as liability and collision coverage. Even though the math looks like it's possible to get free car insurance, you're out of luck.

Large auto insurance companies and a summarized list of policyholder discounts are included below.

If you want affordable Clarksville auto insurance quotes, ask every prospective company how many discounts you can get. Depending on the company, some discounts may not apply in every state. If you would like to see a list of providers who offer online auto insurance quotes in Indiana, click this link.

How your Clarksville costs are determined

Many factors are used in the calculation when you quote your car insurance policy. Some are obvious such as your driving record, but other factors are more transparent like your continuous coverage or how financially stable you are. When buying auto insurance it's important to understand a few of the rating criteria that come into play when calculating auto insurance rates. When you know what positively or negatively determines base rates, this allows you to make good choices that can help you get much lower annual insurance costs.

Vehicle claim statistics

Are you driving a vehicle that ranks high in claims? The data below show the highest and lowest makes and models for overall likelihood of having large claims.

Lowest and Highest Car Insurance Collision Claims by Manufacturer Model
Lowest Overall Losses Highest Overall Losses
Chevrolet Colorado Maserati Granturismo
Ford F-150 SuperCrew Audi RS7
Jeep Wrangler Bentley Continental Flying Spur
Smart ForTwo BMW M6
Mini Cooper Bently Continental GTC
Ford F-250 SuperCab Ferrari 458

Statistics from IIHS.org for 2013-2015 Model Years

Comprehensive Claims by Vehicle
Lowest Overall Losses Highest Overall Losses
Nissan Leaf Maserati Granturismo
GMC Sierra 2500 Bentley Continental GTC
Volvo V60 Mercedes-Benz S Class
Chevy Silverado 2500 BMW M6
Infiniti QX50 Maserati Quattroporte
Chevy Spark Porsche Panamera GTS

Statistics from IIHS.org for 2013-2015 Model Years

Liability Coverage Claims by Vehicle Model
Lowest Overall Losses Highest Overall Losses
Volvo XC60 Dodge Charger
Subaru Outback Chrysler 200
Fiat 500 Kia Rio
Chevrolet Corvette Hyndai Accent
Audi A6 Chevrolet Sonic
Mercedes-Benz SL Class Chevrolet Impala

Statistics from IIHS.org for 2013-2015 Model Years

Lowest and Highest Medical Payment Insurance Claims by Vehicle Make and Model
Lowest Overall Losses Highest Overall Losses
Ford F-250 SuperCrew Dodge Charger
Land Rover Range Rover Sport Nissan Sentra
Ford F-350 SuperCrew Kia Forte
Ford Expedition Chrysler 200
Tesla Model S Hyundai Accent
Chevrolet Silverado 3500 Mitsubishi Lancer

Statistics from IIHS.org for 2013-2015 Model Years

You can lower your insurance rates

Cheaper insurance in Clarksville is definitely available on the web and also from your neighborhood Clarksville agents, so you need to shop Clarksville auto insurance with both so you have a total pricing picture. There are still a few companies who may not provide online price quotes and many times these regional carriers only sell through local independent agencies.

People switch companies for a variety of reasons including denial of a claim, high rates after DUI convictions, being labeled a high risk driver or even poor customer service. It doesn't matter why you want to switch finding a new insurance company is not as hard as you think.

You just learned some good ideas how to find cheaper coverage online. It's most important to understand that the more times you quote, the better chance you'll have of finding low cost Clarksville auto insurance quotes. Consumers could even find that the lowest prices are with some of the lesser-known companies.

Much more information about insurance in Indiana can be found at these links: