Cheapest Auto Insurance in Clarksville, Tennessee (2024)

State Farm offers the cheapest car insurance in Clarksville, with minimum-coverage policies as low as $24 per month.

Actualizado el 6 de mayo de 2024

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Las tarifas más baratas encontradas recientemente en Tennessee

Los conductores que utilizan Insurify han encontrado cotizaciones tan baratas como $31/mes para solo responsabilidad y $46/mes para cobertura total en Tennessee.

*Cotizaciones generadas para los usuarios de Insurify en los últimos 10 días. Actualizado el 6 de mayo de 2024

Las tarifas que se muestran son cotizaciones de usuarios de Insurify en tiempo real de más de 100 compañías de seguros y datos de Quadrant Information Services. El algoritmo de Insurify excluye las cotizaciones anómalas y anonimiza los datos personales. Luego, muestra las cotizaciones detalladas por precio, fecha y popularidad de la aseguradora hasta hace 10 días a partir de 6 de mayo de 2024. Las cotizaciones reales pueden variar según el perfil de conductor único del comprador de la póliza.

*Cotizaciones generadas para los usuarios de Insurify en los últimos 10 días. Actualizado el 6 de mayo de 2024

Las tarifas que se muestran son cotizaciones de usuarios de Insurify en tiempo real de más de 100 compañías de seguros y datos de Quadrant Information Services. El algoritmo de Insurify excluye las cotizaciones anómalas y anonimiza los datos personales. Luego, muestra las cotizaciones detalladas por precio, fecha y popularidad de la aseguradora hasta hace 10 días a partir de 6 de mayo de 2024. Las cotizaciones reales pueden variar según el perfil de conductor único del comprador de la póliza.

Located along Interstate 24 at the Kentucky and Tennessee border, Clarksville is one of Tennessee’s oldest cities. Clarksville drivers pay an overall average of $139 per month for car insurance — slightly higher than the statewide average of $128 per month but lower than the nationwide monthly average of $159.

Home to more than 170,000 people, Clarksville is the fifth-largest city in the state, which could partly explain its higher rates.

Here’s how to find low rates in Clarksville and secure the best car insurance for you.

Datos Breves
  • State Farm, USAA, and GEICO are the three of the cheapest companies in Clarksville.

  • Liability insurance in Clarksville costs $88 per month, and full coverage costs $190 per month.

  • Clarksville drivers pay a yearly average of $2,279 for full-coverage insurance.

3 of the cheapest car insurance companies in Clarksville

Finding the cheapest car insurance in Clarksville will depend on factors like your age, driving history, and coverage needs. State Farm, GEICO, and Mile Auto are three of the area’s most affordable insurers. While you may ultimately choose a different insurance company, it doesn’t hurt to start your search with these three.

Insurance CompanyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full CoverageLiability OnlyBest For
State Farm4.6$46$22Low rates
GEICO4.4$60$28Drivers with an accident
Mile Auto3.7$68$39Young drivers
Descargo de responsabilidad: Datos en esta tabla encontrados en cotizaciones reales de las 50+ aseguradoras asociadas con Insurify, más estimaciones de Quadrant Information Services. las cotizaciones reales variarán en función del perfil de conductor único del asegurado.
  • El puntaje compuesto de Insurify (ICS) es una marca propietaria calculada por nuestro equipo de analistas, que se basa en múltiples factores que reflejan la calidad, la fiabilidad, y la salud financiera de una compañía de seguros.

    Los factores de entrada a la puntuación se incluyen en el puntaje de A.M. Best, Standard & Poor’s, Moody’s, y Fitch; puntajes de J.D. Power; encuestas de satisfacción de los consumidores de Consumer Reports y de reclamaciones de los consumidores; opiniones de los usuarios sobre la aplicación móvil; y opiniones de los usuarios sobre la compañía.

Best insurer for low rates: State Farm

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.5
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$24/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$51/mo

State Farm offers emergency roadside services and rental car coverage. It also offers discounts for bundling insurance and practicing safe driving habits and has some of the lowest rates in Clarksville for liability and full coverage.

Ventajas
  • Several discounts

  • Emergency roadside assistance available

Contras
  • Gap insurance and accident forgiveness not available

  • Age limit on some discounts

Read our State Farm review
Colleen - May 2, 2024
Verified

Look Further

The rates are consistently high and unaffordable.

Walters - April 25, 2024
Verified

Good

I had a good relationship with them until my bank messed up. I didn't receive the cancellation notice until it was already too late.

Wanda Carole - April 22, 2024
Verified

Excellent

Check out other companies and their rates before making a decision.

Best insurer for drivers with an accident: GEICO

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.2
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$32/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$66/mo

GEICO is an auto insurance company with cheap rates in Clarksville. If you’ve gotten into an accident, your insurance rates could increase, but GEICO offers personalized auto insurance policy options so you can pick and choose your coverages. GEICO also offers several discounts to customers who bundle coverage and complete a defensive driving course.

Ventajas
  • Robust web and mobile offerings

  • Offers multiple discounts

Contras
  • Accident forgiveness not available

  • Limited network of local agents

Read our GEICO review
Holly - April 30, 2024
Verified

Long-Time Customer Treated Poorly!

We were with Geico for over 20 years and then had a terrible customer service experience. This wasn't a minor issue or just one agent. The problem involved conversations with multiple agents and supervisors. It's disappointing that after being insured with this company for so long, they showed no interest in resolving an unexpected situation that was actually an honest mistake made by one of their agents. I don't recommend them!

Elizabeth - April 25, 2024
Verified

Excellent

It has always been great.

Andrew - April 24, 2024
Verified

AI-Run, Money-Hungry Company

The customer service is poor and very unprofessional. It's impossible to speak to an agent.

Best insurer for young drivers: Mile Auto

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.5
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from aaa (exceptional) to c (poor).
NR
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$43/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$76/mo

Car insurance rates are higher for teens and drivers younger than 25. Mile Auto can help offset those costs and maintain coverage so long as teens drive fewer than 10,000 miles annually. Mile Auto offers mileage-based car insurance options, allowing you to pay based on how often you drive.

Ventajas
  • Option to send a monthly photo of your odometer instead of participating in telematics programs

  • Offers “storage insurance” to cover your vehicle when it’s not being driven

Contras
  • Must send a photo of odometer each month

  • Must stick under a certain annual mileage to maintain insurance coverage

How to get the cheapest car insurance in Clarksville

Finding the cheapest car insurance in Clarksville will depend on many factors, including your driving record, age, ZIP code, and credit. While many of the deciding factors are out of your control, you can do some things to get the cheapest car insurance policy for your situation:

  • Avoid violations. Practice safe driving habits so you can avoid violations like speeding tickets and other infractions. In doing so, you’ll naturally avoid at-fault accidents and maintain a clean driving record.

  • Improve your credit score. Car insurance companies in Tennessee can use your credit history to determine the likelihood that you’ll file a claim, so it’s important to maintain a good credit score to keep your rates lower.

  • Ask about discounts. Insurers offer several types of discounts, from bundling coverage and multi-policy discounts to having a vehicle with certain anti-theft protection or driving safely. Be sure to ask about which discounts you may qualify for.

  • Shop around and compare quotes. Shop around and compare quotes from at least three different insurers to make sure you’re getting the best price. You can talk to insurance agents or get a quote online.

Find Car Insurance in Clarksville, Tennessee

Liability rates start at $24 per month

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Cheapest liability-only car insurance in Clarksville: State Farm

Liability-only car insurance is the most basic type of coverage, so it usually costs less. Liability insurance only covers the other person’s vehicle after an accident and their medical expenses through the bodily injury portion of your liability insurance.

If you drive an older car and can afford to pay for repairs out of pocket, liability insurance may make sense. If you’re just looking for basic coverage to avoid paying fees or penalties for not meeting your state’s minimum insurance requirements, it may be a good idea to start with liability coverage.

The average rate for liability coverage in Clarksville is $88 per month. Here are some of the cheapest liability-only car insurance rates in Clarksville.

The below rates are estimated rates current as of: viernes, 3 de mayo, 0:00 p. m. GMT-7
Insurance CompanyAverage Monthly Quote
State Farm24
USAA29
GEICO32
Auto-Owners33
Travelers33
Erie36
Mile Auto43
Allstate45
Farmers49
Safeco52
Nationwide60
Progressive65
Chubb70
Midvale Home & Auto77
Dairyland78
National General81
State Auto82
Liberty Mutual85
Elephant93
Direct Auto99
GAINSCO113
The General132
Bristol West159
Foremost168
Descargo de responsabilidad: Datos en esta tabla encontrados en cotizaciones reales de las 50+ aseguradoras asociadas con Insurify, más estimaciones de Quadrant Information Services. las cotizaciones reales variarán en función del perfil de conductor único del asegurado.

Cheapest full-coverage car insurance in Clarksville: State Farm

Full-coverage insurance includes liability coverage but also extends to cover damages to your vehicle or your medical expenses after an accident. Full coverage typically costs more, but it’s ideal if you want to protect your own vehicle. If you have a car loan or lease, your lender may require that you carry full-coverage insurance.

On average, Clarksville-based drivers pay $190 for full-coverage car insurance per month. Here are some of the cheapest full-coverage car insurance rates in Clarksville.

The below rates are estimated rates current as of: viernes, 3 de mayo, 0:00 p. m. GMT-7
Insurance CompanyAverage Monthly Quote
State Farm51
USAA61
GEICO66
Auto-Owners70
Erie75
Mile Auto76
Travelers92
Allstate94
Farmers100
Safeco116
Nationwide122
Progressive136
Midvale Home & Auto138
Chubb145
Elephant146
Liberty Mutual178
State Auto183
National General185
Direct Auto215
The General218
Dairyland220
GAINSCO299
Foremost318
Bristol West383
Descargo de responsabilidad: Datos en esta tabla encontrados en cotizaciones reales de las 50+ aseguradoras asociadas con Insurify, más estimaciones de Quadrant Information Services. las cotizaciones reales variarán en función del perfil de conductor único del asegurado.

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Car insurance requirements in Tennessee

Most states require drivers to have minimum or liability coverage insurance. In Tennessee, you must meet certain minimum-coverage limits or risk paying fines or losing your vehicle registration.[1] Below are the minimum car insurance requirements for the state of Tennessee:

CoverageMinimum Requirements
Bodily injury liability$25,000 per person / $50,000 per accident 
Property damage liability$25,000 per accident

Depending on your needs, you may want to consider getting optional insurance coverage as well, including:

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    Uninsured/underinsured motorist coverage

    Uninsured/underinsured motorist insurance covers you if you’re in an accident with another driver who lacks insurance.

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    Collision insurance helps pay for the repair or replacement of your vehicle if it’s damaged in an accident.

  • illustration card https://a.storyblok.com/f/162273/100x100/9997698e9e/emergency-roadside-service.svg

    Roadside assistance coverage

    Roadside assistance provides coverage if you’re ever broken down on the road and need help paying for services.

Cheapest car insurance for Clarksville drivers with an incident

An incident, such as a speeding ticket, at-fault accident, or driving under the influence, shows insurers you present an increased risk.

As a result, insurance companies tend to charge higher rates when you have infractions on your record. If you’re wondering how much your rates could increase with an incident on your record, here are some updated quotes from insurers serving the Clarksville area.

Shop for Car Insurance in Clarksville, TN

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4.8/5
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ProgressiveLiberty MutualTravelers

Cheapest car insurance for drivers with a speeding ticket: State Farm

Receiving a speeding ticket in Tennessee is a traffic violation that adds points to your driving record. Different types of speeding violations exist, such as speeding in a construction zone or reckless driving. But regardless of the violation type, a speeding ticket can raise your car insurance rates.[2] 

Clarksville drivers with a speeding ticket pay an average of $269 per month for full coverage. Here are some monthly quotes for insurers in Clarksville that offer the best deal when you have a speeding ticket on your record.

The below rates are estimated rates current as of: viernes, 3 de mayo, 0:00 p. m. GMT-7
Insurance CompanyClean Driving RecordWith Speeding Ticket
State Farm2431
USAA2937
GEICO3241
Auto-Owners3343
Travelers3343
Erie3647
Mile Auto4360
Allstate4558
Farmers4963
Safeco5268
Nationwide6078
Progressive6584
Chubb7091
Midvale Home & Auto77102
Dairyland78101
National General81115
State Auto82115
Liberty Mutual85121
Elephant93132
Direct Auto99129
GAINSCO113160
The General132172
Bristol West159203
Foremost168239
Descargo de responsabilidad: Datos en esta tabla encontrados en cotizaciones reales de las 50+ aseguradoras asociadas con Insurify, más estimaciones de Quadrant Information Services. las cotizaciones reales variarán en función del perfil de conductor único del asegurado.

Cheapest car insurance for drivers with an at-fault accident: State Farm

No one wants to be involved in an accident, but if you’re in an at-fault accident, it can raise your insurance rates significantly. An accident can also stay on your driving record for three to five years, so you may see increased rates for a while.[3] But it’s always important to compare quotes to see what you actually could be paying and what different insurers offer.

The average rate for full-coverage insurance with an accident on your record in Clarksville is $281 per month. Here are some monthly rates from Clarksville insurers when you have an at-fault accident on your record.

The below rates are estimated rates current as of: viernes, 3 de mayo, 0:00 p. m. GMT-7
Insurance CompanyClean Driving RecordWith Accident
State Farm2432
USAA2939
GEICO3243
Auto-Owners3345
Travelers3345
Erie3650
Mile Auto4364
Allstate4561
Farmers4966
Safeco5268
Nationwide6082
Progressive6590
Chubb7095
Midvale Home & Auto77110
Dairyland78106
National General81109
State Auto82122
Liberty Mutual85125
Elephant93124
Direct Auto99137
GAINSCO113149
The General132182
Bristol West159212
Foremost168248
Descargo de responsabilidad: Datos en esta tabla encontrados en cotizaciones reales de las 50+ aseguradoras asociadas con Insurify, más estimaciones de Quadrant Information Services. las cotizaciones reales variarán en función del perfil de conductor único del asegurado.

Cheapest car insurance for drivers with a DUI: State Farm

A violation for driving under the influence of alcohol or drugs is a serious crime that can result in the loss of your license in Tennessee. Insurers also see a DUI as serious, and obtaining car insurance after a DUI will cost you more money. But you still have some options. 

The average monthly cost of full-coverage car insurance in Clarksville for drivers with a DUI conviction is $319. Here are some of the monthly rates insurers are offering Clarksville drivers who have a DUI on their record.

The below rates are estimated rates current as of: viernes, 3 de mayo, 0:00 p. m. GMT-7
Insurance CompanyClean Driving RecordWith DUI
State Farm2440
USAA2949
GEICO3254
Auto-Owners3355
Travelers3355
Erie3660
Mile Auto4366
Allstate4575
Farmers4982
Safeco5287
Nationwide60101
Progressive65109
Chubb70117
Midvale Home & Auto77129
Dairyland78131
National General81136
State Auto82137
Liberty Mutual85142
Elephant93156
Direct Auto99166
GAINSCO113189
The General132221
Bristol West159266
Foremost168281
Descargo de responsabilidad: Datos en esta tabla encontrados en cotizaciones reales de las 50+ aseguradoras asociadas con Insurify, más estimaciones de Quadrant Information Services. las cotizaciones reales variarán en función del perfil de conductor único del asegurado.

Cheapest car insurance for seniors: State Farm

Car insurance rates can increase for seniors as well as young drivers since insurers view these age groups at a greater risk to insure. But seniors can still find cheap insurance rates by keeping a clean driving record and taking advantage of discounts.

Some insurers offer specific discounts for seniors or usage-based coverage, allowing you to lower your premium by driving fewer miles per year. For Clarksville seniors, the overall average monthly cost for car insurance is $97. Here are some of the best monthly insurance quotes for seniors in Clarksville.

The below rates are estimated rates current as of: viernes, 3 de mayo, 0:00 p. m. GMT-7
Insurance CompanyFull CoverageLiability Only
State Farm3617
USAA4421
GEICO4823
Auto-Owners5024
Erie5124
Mile Auto5330
Travelers6624
Allstate6933
Farmers7135
Nationwide8341
Safeco8638
Progressive8943
Midvale Home & Auto9654
Chubb9747
Elephant10567
Liberty Mutual12861
State Auto12958
National General13760
Direct Auto15169
Dairyland16257
The General164100
GAINSCO22384
Foremost227120
Bristol West282117
Descargo de responsabilidad: Datos en esta tabla encontrados en cotizaciones reales de las 50+ aseguradoras asociadas con Insurify, más estimaciones de Quadrant Information Services. las cotizaciones reales variarán en función del perfil de conductor único del asegurado.

Cheapest car insurance for teens: State Farm

Teens and young drivers also pay higher car insurance rates because insurers find that young adults under age 25 are more likely to get into an accident, and this raises the company’s financial risk. Teen drivers in Clarksville pay an overall average of $227 per month for car insurance.

But if you’re a young driver, you still have some ways to save on your insurance premiums.

Start by inquiring about a discount if you’re a student and have at least a 3.0 GPA. You’ll likely need to submit your grades for verification, but it could be worth the savings. Other insurers also offer discounts to teens who complete a driver safety course. And if you’re a college student who won’t be driving during the semester, see if your insurance company can provide a discount based on this. Finally, young drivers may also be able to save by remaining on their parents’ insurance for a while, if it makes sense.

Here are some of the best monthly car insurance quotes for young drivers in Clarksville.

The below rates are estimated rates current as of: viernes, 3 de mayo, 0:00 p. m. GMT-7
Insurance CompanyFull CoverageLiability Only
State Farm8239
USAA9646
GEICO9848
Auto-Owners11554
Erie12058
Mile Auto14079
Allstate15675
Travelers15857
Farmers16882
Nationwide19897
Elephant229146
Midvale Home & Auto230128
Progressive235112
Safeco235105
Chubb255123
State Auto308138
Liberty Mutual317151
National General328144
The General335203
Dairyland351125
Direct Auto375173
GAINSCO512194
Foremost536283
Bristol West620257
Descargo de responsabilidad: Datos en esta tabla encontrados en cotizaciones reales de las 50+ aseguradoras asociadas con Insurify, más estimaciones de Quadrant Information Services. las cotizaciones reales variarán en función del perfil de conductor único del asegurado.

Clarksville car insurance quotes by credit tier

Many states, including Tennessee, allow insurers to use your credit history as a factor when determining your car insurance policy rates. Insurance companies use your credit history, in part, to predict the likelihood that you’ll file an insurance claim. This helps them assess risk.

An excellent credit score is considered anything above 720, and typically, the higher your credit score, the better chance you have of getting a lower insurance rate. If you have a lower credit score, you can always work to improve your credit and be mindful that insurers consider several other factors as well.

Here are the average monthly quotes in Clarksville based on your credit tier.

Rates by Credit Tier

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Is car insurance more expensive in Clarksville?

The average car insurance cost in Clarksville is $190 per month for full coverage, compared to the average cost for the state of Tennessee, which is $178 per month.

Sometimes, car insurance costs can be higher in cities with more traffic, an increased number of road accidents, higher crime rates, or higher car repair costs.

More cities in Tennessee

Here’s how the average monthly car insurance quote differs in other Tennessee cities compared to Clarksville.

CityFull CoverageLiability Only
Chattanooga$158$82
Knoxville$159$75
Memphis$235$114
Murfreesboro$183$85
Nashville$198$90
Descargo de responsabilidad: Datos en esta tabla encontrados en cotizaciones reales de las 50+ aseguradoras asociadas con Insurify, más estimaciones de Quadrant Information Services. las cotizaciones reales variarán en función del perfil de conductor único del asegurado.

Clarksville car insurance FAQs

Looking to find more information about cheap car insurance in Clarksville? The answers presented below can help you in your search to find the most affordable car insurance rates possible.

  • How much is car insurance in Clarksville, Tennessee?

    Residents of the Clarksville area pay $88 per month for liability-only coverage and $190 per month for full coverage, on average.

  • Which company has the cheapest car insurance in Clarksville?

    State Farm has the cheapest car insurance in Clarksville, with monthly liability rates as low as $24. USAA and GEICO also offer affordable coverage, with respective monthly liability rates of $29 and $32.

    But the cheapest insurer for you will depend on many factors, such as your age, ZIP code, the type of car you drive, and the coverage levels you choose.

  • What are the best car insurance companies in Clarksville?

    State Farm, GEICO, and Mile Auto rank as some of the best insurers in Clarksville. State Farm has a high Insurify Quality (IQ) Score of 4.6 out of 5, and GEICO has a strong IQ Score of 4.4. It’s also among the leaders in digital offerings with robust web and mobile support. Mile Auto, meanwhile, allows you to customize your auto insurance payments based on the amount you drive. The less time you spend in your vehicle, the lower your rate will be.

  • How much car insurance is required in Tennessee?

    In Tennessee, you’re required to carry insurance that meets the minimum requirements of $25,000 per person and $50,000 per accident in bodily injury liability coverage. You must also carry property damage liability coverage of $25,000 per accident.

  • Is Tennessee a no-fault state?

    No. Tennessee is an at-fault state. This means if you’re involved in an accident and the other driver is determined to be at fault, you may have the right to sue them for damages you incurred or injuries you suffered.

Metodología

Las cotizaciones de seguros de auto que se muestran se basan en un análisis de la base de datos de Insurify de más de 40 millones de cotizaciones de 500 códigos ZIP a nivel nacional. Para obtener las tarifas representativas, el equipo de datos de Insurify realiza análisis exhaustivos frecuentes de los factores utilizados por las aseguradoras de autos para calcular tarifas, incluyendo datos demográficos del conductor, historia del conductor, puntuación de crédito, nivel de cobertura deseado y más.

El análisis de Insurify también incorpora la puntuación compuesta Insurify (ICS) asignada a cada compañía de seguros. La ICS es una puntuación propietaria que pesa factores que reflejan la calidad, fiabilidad y salud de una compañía de seguros. Las puntuaciones utilizadas para calcular la ICS incluyen las puntuaciones financieras de A.M. Best, Standard & Poor’s, Moody’s, y Fitch; puntuaciones de J.D. Power; encuestas de satisfacción de consumidores de Consumer Reports y denuncias de consumidores; opiniones de los usuarios en las aplicaciones móviles y opiniones de los usuarios en las compañías; y las opiniones de los usuarios en las compañías.

Con los análisis y métodos de clasificación anteriores, Insurify es capaz de ofrecer a los consumidores de seguros de autos una perspectiva de cómo varían las cotizaciones de las compañías de seguros en relación a uno a uno en términos de costo y calidad. Tenga en cuenta que las cotizaciones reales varían según los atributos únicos incluidos en la poliza del conductor y su dirección de garaje.

Sources

  1. Tennessee Department of Revenue. "Why You Should Have Auto Insurance."
  2. Tennessee Department of Safety & Homeland Security. "Schedule of Points Values."
  3. Virginia Department of Motor Vehicles. "Four Point Violations."

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