• Because experience
    matters.

    We are dedicated to protecting the things you love most. Since 1897, we have been protecting your family, your business, and your future.

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In efforts to lift the spirits of graduating seniors we are thankful we could participate in sponsoring seniors at Christian County High School and Hopkinsville High School. The donations were used for class gifts to commemorate their senior year. This contribution was made with matching funds from Erie Insurance. Congratulations graduates! #ERIEAgentsGivingBack

We would like to express our sincere appreciation and thanks to the Chamber of Commerce for recognizing Higgins Insurance with the Quality Service Award. We are truly humbled and honored to receive it. This wouldn’t be possible without the valued support of our clients.

Higgins Insurance is honored to be presented with the Quality Service Award, sponsored by Edward Jones and given by the Chamber of Commerce for this month. We would like to thank everyone, especially our customers, for their continued support.

 

What is the advantage of choosing a local agent over online insurance services?

The advantages to having access to a local insurance agent are wonderful; however, buying insurance online can have its own unique conveniences as well. We want to share with you some of the advantages of both and let you know why you might want to choose Higgins Insurance for your insurance needs.

Online Insurance:
Who doesn’t like shopping from the convenience of your own home? When you shop online for insurance, you are able to access a wide variety of insurance providers. You are able to browse while you eat dinner or do your laundry.
Shopping online can often help you identify the best rates for the specific types of insurance you are looking for. If you need more than one form of insurance, creating a bundle to cover you and your family may be a hassle. You may end up dealing with a customer service person over the phone. They will generally have less experience than a local agent and have no vested interest in you or knowledge of your community.
Online insurance shopping is best for helping you get an idea of the products and services that are available to you. It is also a great way to quickly get quotes in your area and to help you find the best pricing options.

Insurance Agent:
Using an insurance agent local to your community has many advantages. Our agents at Higgins Insurance are able to tailor an insurance plan specifically to your family or your business. We are able to create a custom bundle that will incorporate all of your insurance needs.
Having a local agent can also be an advantage when you are deciding what specialty insurance and add-ons you might need. For example, we are able to advise on whether your home lies in a flood prone area and when you might need extra protection. We can also advise you about specific laws you will need know in order to keep yourself fully covered. Additionally, we are able to tell you what you don’t need. Using a local agent can save you from buying protection that is unnecessary for your needs.
Having a local agent is also important when you have to file a claim. Being able to meet face to face and talk about your claim, the options you may have, and how to proceed is invaluable. At Higgins, we will go above and beyond to provide you the services you need and help get you on track.

When it comes to big investments like your car, your home, and even your family’s well-being you want an expert on your side, someone to help you make sense of what you’re actually buying and who can be there with you through any claims. We want to provide you and your family with the service you deserve. If you are in the Hopkinsville or Clarksville areas, we would love to meet and discuss your needs. Contact us today for an appointment, give us a call at (888) 457-2307 or visit our Hopkinsville, Ky or Clarksville, TN offices.

Sometimes damage to your car is unavoidable.

Unfortunately, filing an auto insurance claim can quickly raise the price of your insurance premium. No one wants to pay more money, so how can you avoid damaging your car? Here are some of the most common car insurance claims in Kentucky and a few ways to avoid them:

  • Accidents – From fender benders to major wrecks, car accidents are one of the leading reasons people make an auto insurance claim. Your auto insurance coverage can help you repair or replace your car, and can also help cover medical costs for you and your passengers. Being a safe driver and remaining aware of your surroundings is the best way to avoid an accident.
  • Weather – Hail, falling branches, and other weather related damage can happen in Kentucky. These falling objects can break glass and damage car bodies. Comprehensive insurance typically covers this repair expense.
  • Animal Collisions – An accidental collision with a deer or other animal can cause a lot of damage to your vehicle. Vehicle damage is a common claim, especially in the more suburban and rural areas of Kentucky. Reducing your speed in areas with a lot of wildlife while always being aware of your surroundings can help you avoid an accident of this nature.
  • Windshield Damage – A small object like a piece of gravel can cause a knick, crack, or break to your windshield while driving down a highway. The price of replacing or repairing a windshield can be high, so many people will use comprehensive coverage to pay for these damages.
  • Theft – Unfortunately, cars are often stolen. Comprehensive insurance coverage can help you if this happens. This insurance varies in price depending upon many factors such as where you live, garage accessibility, anti-theft devices, alarm systems, GPS tracking systems, and more.

Remember to keep an eye out and keep yourself protected!

No one wants to have to deal with issues like these, but when they do arise it is best to be prepared. Higgins Insurance in Hopkinsville, KY and Clarksville, TN can help you get the best car insurance for your needs. If you need advice or more insurance information, contact one of our helpful agents today!

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