Searching for cheap Comprehensive car insurance in Bartlett? Look no further than your nearby Direct Auto & Life Insurance. Comprehensive coverage may not be required by Tennessee law, but it can be extremely helpful if you run into trouble while driving. It helps cover vehicle repairs that result from something other than a collision. That's why it is often referred to as, "Other than Collision Coverage." Say your vehicle is vandalized, stolen, damaged by a natural disaster, or damaged by contact with an animal. Would it be difficult for you to pay for the repairs or buy yourself a new car? 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 car, truck, or motorcycle to be repaired or replaced.
What’s the definition of a deductible? A car insurance deductible is what you pay to repair your car if you have an accident or claim. Standard deductibles are between $100 and $1,500, though they vary by insurance company and state. The Comprehensive deductible you choose is up to you. Usually, the higher the deductible, the lower the premium for Comprehensive.
Remember that Comprehensive insurance won't pay for all types of damages to your vehicle. Comprehensive coverage is almost always purchased alongside Collision for this very reason. It also carries a deductible. Collision pays for car repairs after your vehicle hits another object, like a stop sign, tree, or guardrail. Or, it flips in an accident or is hit by a "hit and run" driver. Together, Comprehensive and Collision are often referred to as "full coverage."
Do I need Comprehensive coverage in Bartlett? It's not mandated by Tennessee insurance law, but you could be required to have Comprehensive insurance if your vehicle is financed or leased. If you don't buy Comprehensive, your lender may purchase it for you and add it to your loan balance. This path can be pricier than if you buy Comprehensive coverage on your own. What if your vehicle isn't financed or leased? Buying Comprehensive coverage is up to you! 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 thought gives you instant anxiety, saying yes to Comprehensive coverage and a convenient deductible could prove valuable.
At Direct Auto & Life Insurance in Bartlett, Comprehensive insurance is easy to understand and affordable to get. We have the on-the-road protection you want, plus the excellent customer service you deserve! With us, there's no need to cut back on important coverages to try and save a buck. We help you identify the best insurance for your needs and find ALL the discounts you're entitled to. It's a promise. From there, you can make your car insurance feel even more affordable (and manageable) by customizing how and when you pay. Whether you pay by credit card, check, or cash, staying on top of policy payments and your Comprehensive coverage in Bartlett is simple 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!