• Because experience

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


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.

At Higgins Insurance, our values are our principles in life and the standard of our behavior.

We strive every day to work by a set of values that are based on our community, our customers, and our families.

  • We value our customers – By focusing on our customers, we are able to provide quality products and services that meet your needs.  It’s as simple as the Golden Rule: Treat others as you would have them treat you!
  • We are community oriented – We have been a part of the Hopkinsville, KY community since 1897. Our roots here run deep.  We have also been serving you from our Clarksville, TN location since 2007. We believe in promoting and protecting our community.  Outreach and community charity are an integral part of who we are.
  • We act with honesty and integrity – We hold ourselves to a very high standard and strive to always interact in an honest way. We are inclusive, collaborative individuals with diverse backgrounds and talents, all of which contribute to our growing brand.
  • We value teamwork – We work as a team, not individuals.  When you buy insurance with Higgins you are not buying from one agent, but from our entire agency.
  • We strive for excellence – We are passionate about becoming an industry leader by achieving superior results for our customers and community.

Whether you are looking for auto insurance price quotes, information on Obamacare, life insurance comparisons, business insurance quotes, or agribusiness insurance, you can trust Higgins Insurance to help you from a place of respect and Integrity.  We are dedicated to protecting the things you love most.  Since 1897, we have been protecting your family, your business, and your future.  You can count on us, so give our team a call today at (270) 886-3939 (Hopkinsville, KY) or (931) 647-9270 (Clarksville, TN).

Do you know how your car insurance rate is determined?

Below are a few tips to help you the next time your shopping for car insurance companies.

  1. Your driving record

The cleaner your driving record, the lower your premium will be. For instance, if you’ve had 3 accidents in the past year, your insurance company will believe that it’s likely you’ll have another one in the near future, so your insurance will likely be higher.

  1. Age

According to insurance companies, the more experience you have behind the wheel, the less likely you are to cause an accident.

  1. Gender

Statistics show that males are more likely to be involved in an accident than females.

  1. Marital Status

Statistics show that married drivers are less likely to crash than a single person.

  1. Where you live

If you live in an urban area that’s packed with traffic and has a high theft rate, your premium could be higher than if you live in a rural area.

  1. Make and model of your vehicle

If you drive a newer vehicle with higher crash safety features, you could be rewarded with lower rates.

Of course, there are other factors involved with determining your insurance rate. If you’re ready to shop around for the best policy for you, contact Higgins Insurance.

We have 2 convenient locations for your insurance in Hopkinsville, KY and for insurance services in Clarksville, TN. Our agents would be glad to hear from you today, call us at 888-457-2307!

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