Looking for low cost Comprehensive coverage in Antioch? Come to your nearby Direct Auto & Life Insurance. While Tennessee law does not require drivers to have Comprehensive coverage, it can still be beneficial to have. It will help pay for auto repairs that resulted from an event other than a collision. That's why you might hear your insurance agent refer to it as, "Other than Collision Coverage." Imagine that your car is damaged by a natural disaster, stolen, vandalized, or damaged by contact with an animal. How hard would it be for you to pay to get it repaired or replaced? No need to worry when you have Comprehensive coverage. Meet your deductible and then your Comprehensive coverage will kick in to help pay for your truck, car, or motorcycle to be repaired or replaced.
What’s a deductible? A deductible is the amount of money you would pay out-of-pocket, up front for the damage to your vehicle. Deductibles vary by state and insurance company, but generally range from $100 to $1,500. The Comprehensive deductible you choose is up to you. In general, the higher the deductible you choose, the lower your premium for Comprehensive coverage will be.
Remember that Comprehensive insurance won't pay for all types of damages to your vehicle. That's why Comprehensive coverage is almost always paired with Collision, which also has a deductible. Collision pays for car repairs after your vehicle hits another object, like a tree, light post, or guardrail. Or, it flips in an accident or is hit by a "hit and run" driver. Together, Comprehensive and Collision are often labeled "full coverage."
Who needs Comprehensive coverage in Antioch? It's not mandated by Tennessee insurance law, but you may be required to carry Comprehensive coverage if you're leasing or financing your car. If you choose not to purchase Comprehensive, your lender may buy it for you and tack it on to your loan. This path can be more expensive than if you purchase Comprehensive insurance on your own. No car loan? You can choose whether or not you buy Comprehensive coverage! Before rejecting it, give some thought to the age of your car and whether you'd be able to pay for repairs or replacement out of your own pocket. If that idea troubles you, getting Comprehensive insurance and a workable deductible may be worthwhile.
Here at Direct Auto & Life Insurance in Antioch, Comprehensive coverage is easy and affordable to get. We have the on-the-road protection you want, plus the excellent customer service you deserve! There's no need to pass up essential coverage to try and save money. We help you determine the right insurance policy for your needs and find ALL the discounts you're entitled to. It's a promise. After that, you have the freedom to make your car insurance even more affordable by customizing how and when you pay. Whether you pay by credit card, check, or cash, making policy payments and maintaining Comprehensive coverage in Antioch is easy with Direct Auto & Life Insurance! Stop by your neighborhood location or call 1-877-GO-DIRECT (1-877-463-4732) to learn more about Comprehensive coverage!