Direct Locations Near You

Get Your Quote

Searching for cheap Comprehensive car insurance in Chattanooga? Look no further than your nearest 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 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 vehicle is vandalized, stolen, damaged by a natural disaster, or damaged by contact with an animal. How hard would it be for you to pay to get it repaired or replaced? You don't have to worry when you have Comprehensive car insurance. After you meet your deductible, Comprehensive insurance will pay for your truck, car, or motorcycle to be repaired or replaced.

What is a deductible? A deductible is the amount of money you have to pay toward repairs before your insurance covers the rest. Standard deductibles are between $100 and $1,500, though they vary by insurance company and state. Your Comprehensive deductible amount is your choice. In general, the higher the deductible you choose, the lower your premium for Comprehensive coverage will be.

Note that Comprehensive coverage doesn't cover any and all damages to your car. 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 stop sign, tree, or guardrail. Or if it flips in an accident! Together, Comprehensive and Collision are often labeled "full coverage."

Do all drivers need Comprehensive coverage in Chattanooga? 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 might buy it for you and add it to your existing loan balance. This route 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 going without it, give some thought to the age of your vehicle. How much is it worth? Would you be comfortable paying for it to be replaced or repaired on your own? If that thought gives you instant anxiety, getting Comprehensive insurance and a workable deductible may be worthwhile.

At Direct Auto & Life Insurance in Chattanooga, Comprehensive insurance is easy and affordable to get. We offer the protection you want, plus the quality services you deserve. There's no need to pass up essential coverage to try and save money. We'll help you put together the best insurance for your needs and identify every discount you're entitled to. We promise! After that, you have the freedom to make your car insurance even more affordable by customizing the time and way you pay. Whether it's by cash, credit card, or check, making policy payments and maintaining Comprehensive coverage in Chattanooga 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!

Get Your Quote

Driving uninsured in Tennessee can be costly, with the fine for driving without the proper insurance sitting at $300. Police officers could legally have your car towed immediately if you cannot produce proof of valid insurance. On January 1, 2017, Tennessee instituted a state-of-the-art insurance verification system. The system has the ability to identify uninsured drivers through their vehicle registrations. Vehicle owners without insurance will not be able to renew their vehicle's registration.