Frequently Asked Questions About Augustine Insurance & Independent Insurance Agents in Clarksville, TN

1. Why should I choose an independent insurance agency in Clarksville, TN?

An independent insurance agency works for you—not one insurance company. Instead of offering policies from a single carrier, independent agents compare coverage and pricing from multiple insurance companies to help you find the best value for your needs.

At Augustine Insurance, we’ve proudly served Clarksville and the surrounding communities since 1972. Whether you live in Clarksville, Sango, Woodlawn, Oak Grove, Hopkinsville, or are stationed at Fort Campbell, our experienced team can compare multiple companies to help you find quality protection at a competitive price.

Unlike captive agents who represent only one insurance company, independent agents can continue shopping your insurance at renewal if your rates increase or your needs change, helping you save time and money while maintaining the right coverage.

2. What types of insurance does Augustine Insurance offer?

Augustine Insurance provides a wide range of personal and business insurance solutions, including:

• Auto Insurance

• Homeowners Insurance

• Renters Insurance

• Condo Insurance

• Motorcycle Insurance

• Boat & Watercraft Insurance

• RV Insurance

• Life Insurance

• Commercial Auto Insurance

• General Liability Insurance

• Business Owners Policies (BOP)

• Workers’ Compensation

• Commercial Property Insurance

• Umbrella Insurance

• SR-22 Insurance Assistance

Our licensed agents work with trusted insurance carriers to customize coverage based on your budget, driving history, property, family, or business needs. Whether you’re purchasing your first policy or reviewing your current coverage, we’ll explain your options in plain language so you can make informed decisions.

Augustine Insurance provides a wide range of personal and business insurance solutions, including:

• Auto Insurance

• Homeowners Insurance

• Renters Insurance

• Condo Insurance

• Motorcycle Insurance

• Boat & Watercraft Insurance

• RV Insurance

• Life Insurance

• Commercial Auto Insurance

• General Liability Insurance

• Business Owners Policies (BOP)

• Workers’ Compensation

• Commercial Property Insurance

• Umbrella Insurance

• SR-22 Insurance Assistance

Our licensed agents work with trusted insurance carriers to customize coverage based on your budget, driving history, property, family, or business needs. Whether you’re purchasing your first policy or reviewing your current coverage, we’ll explain your options in plain language so you can make informed decisions.

Augustine Insurance proudly serves customers throughout Middle Tennessee and Southern Kentucky from our two convenient Clarksville locations:

Downtown Clarksville Office
111 N. Riverside Drive
Clarksville, TN 37040

We proudly serve residents and businesses throughout Clarksville, Fort Campbell, Sango, Woodlawn, Cunningham, Adams, Pleasant View, Oak Grove, Hopkinsville, Guthrie, and many surrounding Tennessee and Kentucky communities.

Whether you’re looking for affordable auto insurance, homeowners insurance, business insurance, or life insurance, our goal is simple: provide personalized advice, multiple insurance options, and exceptional customer service before, during, and after your policy is issued.

For most drivers in Tennessee and Kentucky, the state minimum limits are not enough. A single serious accident can exceed those limits in minutes due to today’s vehicle values and medical costs.

Here’s what I generally recommend:

SituationLiability LimitsState minimum (not recommended)TN: 25/50/25 (or higher by carrier); KY: 25/50/25Good protection for most families100/300/100Better protection for homeowners or higher-income households250/500/100 or 250/500/250High-net-worth individuals250/500 liability plus a $1 million or higher umbrella policy

My recommendations

1. Liability
I rarely recommend carrying state minimum limits unless there is absolutely no other affordable option.

A good starting point is:

• $100,000 bodily injury per person

• $300,000 bodily injury per accident

• $100,000 property damage

The premium increase over the state minimum is often much smaller than people expect.

2. Uninsured/Underinsured Motorist (UM/UIM)
This is one of the most valuable coverages you can buy.

I recommend matching your liability limits:

• 100/300

• 250/500 if possible

This protects you when the other driver has little or no insurance.

3. Medical Payments (TN) or PIP (KY)

• Tennessee: Consider at least $5,000–$10,000 in Medical Payments.

• Kentucky: PIP is generally required unless properly rejected. Many drivers benefit from additional PIP depending on their health insurance and income.

4. Comprehensive & Collision
If your vehicle is worth more than about $5,000–$7,500, these coverages are usually worth considering.

Choose a deductible you could comfortably pay today:

• $500

• $1,000 (often the best value)

5. Rental Reimbursement
Usually inexpensive and can save hundreds of dollars while your vehicle is being repaired.

6. Roadside Assistance
Worth considering if you don’t already have roadside coverage through another service.

7. Umbrella Insurance
If you:

• own a home,

• have retirement savings,

• own a business,

• have teenage drivers, or

• have significant assets,

a $1 million umbrella policy is one of the best liability values available. Many advisors recommend umbrella coverage at least equal to your net worth.

Liability-only coverage pays for damage and injuries you cause to others but does not cover your own vehicle. Full coverage adds comprehensive and collision coverage to your policy, which pays for damage to your own vehicle from accidents, theft, and other covered losses.

After an accident, you file a claim with your insurance company. They assign an adjuster to assess the damage and determine what your policy covers. Depending on who is at fault and what coverage you carry, your insurer will pay for repairs, medical bills, or other covered losses up to your policy limits, minus your deductible.

A standard auto policy typically includes several coverages:

• Property Damage Liability and Bodily Injury for harm you cause to others.
• Collision and Comprehensive Coverage protects your own vehicle.
  Uninsured/Underinsured Motorist Coverage protects you when the at-fault driver doesn’t have adequate insurance.

Insurance companies use your driving record to assess how likely you are to file a claim. Accidents and violations signal higher risk and result in higher premiums, while a clean record typically qualifies you for lower rates and may make you eligible for safe-driver discounts.

https://www.insr4less.com/request-quote/

Liability-only coverage pays for damage and injuries you cause to others but does not cover your own vehicle. Full coverage adds comprehensive and collision coverage to your policy, which pays for damage to your own vehicle from accidents, theft, and other covered losses.

After an accident, you file a claim with your insurance company. They assign an adjuster to assess the damage and determine what your policy covers. Depending on who is at fault and what coverage you carry, your insurer will pay for repairs, medical bills, or other covered losses up to your policy limits, minus your deductible.

A standard auto policy typically includes several coverages:

• Property Damage Liability and Bodily Injury for harm you cause to others.
• Collision and Comprehensive Coverage protects your own vehicle.
  Uninsured/Underinsured Motorist Coverage protects you when the at-fault driver doesn’t have adequate insurance.

Insurance companies use your driving record to assess how likely you are to file a claim. Accidents and violations signal higher risk and result in higher premiums, while a clean record typically qualifies you for lower rates and may make you eligible for safe-driver discounts.

https://www.insr4less.com/request-quote/

No. “Full coverage” is not an insurance policy or coverage listed in your auto insurance contract. The term became popular because banks and vehicle finance companies often require borrowers to carry sufficient coverage to protect the vehicle while a loan is outstanding. Insurance professionals typically refer to this as carrying collision and comprehensive (physical damage) coverage, along with any liability coverage required by law.

Physical damage coverage protects your own vehicle instead of paying for damage to someone else’s property. It generally includes collision coverage and comprehensive coverage, which work together to help repair or replace your vehicle after many types of covered losses.

Collision coverage helps pay to repair or replace your vehicle if it is damaged in a collision with another vehicle or object, regardless of who is at fault, after your deductible is applied. Examples include:

• Hitting another vehicle

• Backing into a pole

• Striking a guardrail

• Rolling your vehicle

If your vehicle is financed or leased, your lender will usually require collision coverage.

Comprehensive coverage protects your vehicle from many non-collision losses, including:

• Theft

• Vandalism

• Fire

• Hail and wind damage

• Flooding

• Falling objects

• Animal collisions, including deer

Like collision coverage, comprehensive coverage is usually required by lenders when a vehicle has a loan or lease.

Need help choosing the right coverage? Augustine Insurance proudly helps drivers in Fort Campbell, Kentucky, compare coverage options from multiple insurance companies so you can choose protection that fits your needs and budget.

https://www.insr4less.com/request-quote/

Many people ask for “full coverage” insurance, but there is actually no insurance policy called full coverage. The phrase originated from banks and automobile dealerships that required financed vehicles to be fully protected against physical damage. In most cases, they are referring to carrying collision and comprehensive coverage on the vehicle, in addition to the state-required liability insurance.

Physical damage coverage is designed to help protect your vehicle when it is damaged. This coverage is made up of two separate coverages:

• Collision Coverage

• Comprehensive Coverage

Together, these coverages help pay for repairs or replacement after many covered losses, subject to your deductible and policy terms.

Collision coverage helps cover damage to your vehicle caused by an accident involving another vehicle or object. Common examples include:

• Vehicle accidents

• Hitting a mailbox or fence

• Sliding into a tree

• Single-vehicle accidents

Collision coverage is optional unless required by a lender or leasing company.

What Is Comprehensive Coverage?

Comprehensive coverage helps protect your vehicle from losses that are not caused by a collision. Covered events may include:

• Theft

• Storm damage

• Hail

• Fire

• Flood

• Falling trees or debris

• Broken glass

• Contact with animals, such as deer

This coverage provides valuable protection against many unexpected events and is commonly required on financed vehicles.

If you’re unsure what coverage is right for your vehicle, Augustine Insurance on Riverside Drive in Clarksville, Tennessee, can help you compare options and explain your policy in plain language so you can make an informed decision.

https://www.insr4less.com/request-quote/

Auto insurance rates in Clarksville have been affected by several factors, including higher vehicle repair costs, increased medical expenses, more expensive vehicle technology, and an increase in severe weather claims. While rates have stabilized compared to previous years, insurance companies still evaluate your driving history, vehicle, location, and claims history when determining your premium. Augustine Insurance compares multiple insurance companies to help you find competitive coverage at the best available price in this soft market. That means rates are starting to level.

Yes. Homeowners insurance premiums continue to be influenced by inflation, construction costs, storm activity, and rising labor expenses. Rebuilding a home today costs significantly more than it did just a few years ago, which affects insurance pricing. Our team reviews your policy to ensure you have the right protection while identifying discounts that may help lower your premium.

The best way to save is by comparing rates regularly. Bundling your home and auto insurance, maintaining a good driving record, improving your credit (where allowed), increasing deductibles, and asking about available discounts can all reduce your premium. Augustine Insurance shops multiple carriers to find coverage that fits both your needs and your budget.

Since 1972, Augustine Insurance has helped individuals and families find affordable home and auto insurance by comparing multiple top-rated insurance companies. With convenient locations at 111 N. Riverside Dr. and 2857 Fort Campbell Blvd. in Clarksville, we proudly serve customers throughout Tennessee and Kentucky with personalized service, competitive rates, and local agents who are here when you need them most.

Insurance rates for military and civilian families depend on many factors, including where the vehicle is garaged, driving history, vehicle type, and state requirements. Whether you live in Tennessee or Kentucky, Augustine Insurance understands the unique needs of Fort Campbell military families and can compare coverage options from multiple insurance companies to help you find the right protection.

Insurance rates vary because each state has different regulations, claim trends, weather risks, and rebuilding costs. Homes in Tennessee and Kentucky may qualify for different discounts and pricing depending on location and insurance company guidelines. Our licensed agents help homeowners compare policies across multiple carriers to maximize value.

Since 1972, Augustine Insurance has helped individuals and families find affordable home and auto insurance by comparing multiple top-rated insurance companies. With convenient locations at 111 N. Riverside Dr. and 2857 Fort Campbell Blvd. in Clarksville, we proudly serve customers throughout Tennessee and Kentucky with personalized service, competitive rates, and local agents who are here when you need them most.

An uninsured motorist is a driver who causes an accident but does not have automobile insurance to pay for the injuries they cause.

Uninsured Motorist (UM) coverage is designed to help protect you and your passengers when you are injured in an accident caused by a driver who has no insurance. It can also apply in certain situations involving a hit-and-run driver.

This coverage is especially important in the Clarksville–Fort Campbell area because drivers regularly travel between Tennessee and Kentucky. The rules governing uninsured motorist coverage can differ depending on which state your vehicle is registered and insured in.

According to the Kentucky Department of Insurance, uninsured motorist coverage generally pays for bodily injuries to you or a passenger when an accident is caused by an uninsured or hit-and-run driver, up to the applicable UM limits. It generally does not pay for damage to your vehicle.

Uninsured Motorist coverage is primarily designed to protect against bodily injury caused by an uninsured driver.

Depending on the policy, it can help with expenses and losses associated with injuries, such as:

• Medical expenses

• Lost income

• Pain and suffering

• Other covered bodily-injury damages

• Injuries caused by a hit-and-run driver

UM coverage should not be confused with collision coverage. Uninsured Motorist coverage generally protects you against bodily injury, while collision coverage is designed to cover damage to your vehicle.

If you live in Clarksville, Fort Campbell, or the surrounding area, it is important to understand which state your vehicle is registered and principally insured in.

Kentucky: Kentucky requires automobile insurance and generally requires uninsured motorist coverage at the minimum bodily injury limits unless the named insured rejects it in writing.

Tennessee: Tennessee automobile policies generally include uninsured motorist coverage, but a named insured may reject the coverage completely or select lower limits in writing, subject to Tennessee law.

Because policies, limits, exclusions, and claims circumstances vary, your insurance agent should review the actual policy before assuming what coverage applies.

Answer: Yes, having uninsured motorist coverage can still be very important.

Even though drivers are required to maintain insurance, not every driver follows the law. If an uninsured driver causes an accident and injures you, there may be no liability insurance available from that driver to compensate you.

Uninsured Motorist coverage can provide an additional layer of protection for you and your passengers. In Kentucky, UM coverage is generally included at the minimum bodily injury limits unless it has been rejected in writing. In Tennessee, UM coverage is generally included unless it has been rejected or reduced in accordance with Tennessee law.

At Augustine Insurance, we encourage drivers to look beyond simply asking, “What is the cheapest insurance?” A better question is, “What happens to me if the other driver doesn’t have enough insurance?”

Augustine Insurance – Clarksville Office

111 N Riverside Dr, Clarksville, TN

If you live in Clarksville, Tennessee, or anywhere in the surrounding Montgomery County area, Augustine Insurance can help you understand how uninsured and underinsured motorist coverage works with your Tennessee auto policy.

Our Riverside Drive office serves Clarksville drivers who want more than a basic insurance quote. We help you understand your coverage options, compare insurance companies, and make informed decisions about the protection you are purchasing.

Whether you are a first-time driver, purchasing another vehicle, moving to Clarksville, or simply reviewing your current insurance, our team can help explain the difference between liability, uninsured motorist, underinsured motorist, collision, comprehensive, and other available coverages.

Augustine Insurance – 111 N Riverside Dr, Clarksville, TN

An uninsured motorist is a driver who causes an accident but does not have automobile insurance to pay for the injuries they cause.

Uninsured Motorist (UM) coverage is designed to help protect you and your passengers when you are injured in an accident caused by a driver who has no insurance. It can also apply in certain situations involving a hit-and-run driver.

This coverage is especially important in the Clarksville–Fort Campbell area because drivers regularly travel between Tennessee and Kentucky. The rules governing uninsured motorist coverage can differ depending on which state your vehicle is registered and insured in.

According to the Kentucky Department of Insurance, uninsured motorist coverage generally pays for bodily injuries to you or a passenger when an accident is caused by an uninsured or hit-and-run driver, up to the applicable UM limits. It generally does not pay for damage to your vehicle.

Uninsured Motorist coverage is primarily designed to protect against bodily injury caused by an uninsured driver.

Depending on the policy, it can help with expenses and losses associated with injuries, such as:

• Medical expenses

• Lost income

• Pain and suffering

• Other covered bodily-injury damages

• Injuries caused by a hit-and-run driver

UM coverage should not be confused with collision coverage. Uninsured Motorist coverage generally protects you against bodily injury, while collision coverage is designed to cover damage to your vehicle.

Answer: Yes, having uninsured motorist coverage can still be very important.

Even though drivers are required to maintain insurance, not every driver follows the law. If an uninsured driver causes an accident and injures you, there may be no liability insurance available from that driver to compensate you.

Uninsured Motorist coverage can provide an additional layer of protection for you and your passengers. In Kentucky, UM coverage is generally included at the minimum bodily injury limits unless it has been rejected in writing. In Tennessee, UM coverage is generally included unless it has been rejected or reduced in accordance with Tennessee law.

At Augustine Insurance, we encourage drivers to look beyond simply asking, “What is the cheapest insurance?” A better question is, “What happens to me if the other driver doesn’t have enough insurance?”

Augustine Insurance – Fort Campbell Office

2857 Fort Campbell Blvd, Clarksville, TN

Our Fort Campbell Boulevard office is conveniently located to serve customers in the Fort Campbell, Clarksville, and surrounding Tennessee and Kentucky communities.

Because the Fort Campbell area crosses the Tennessee–Kentucky border, insurance requirements and coverage options can be different depending on where your vehicle is registered and insured.

Our team can help military families, Fort Campbell-area residents, and other local drivers understand their auto insurance options, including Uninsured Motorist and Underinsured Motorist coverage.

If you are moving to the Clarksville/Fort Campbell area, transferring your vehicle between states, purchasing a vehicle, or simply looking for better protection, Augustine Insurance can help you compare your options and understand what you are buying.

Augustine Insurance – 2857 Fort Campbell Blvd, Clarksville, TN