Looking for affordable Comprehensive car insurance in Clarksville? Head towards 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 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." Imagine that your car is stolen, vandalized, damaged by a natural disaster, or damaged by contact with an animal. Would you have enough money to get it fixed or to buy yourself a new one? There's no need to worry when you have Comprehensive insurance. Once you meet your deductible, Comprehensive coverage will 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. Deductibles vary by state and insurance company, but generally range from $100 to $1,500. Your Comprehensive deductible amount is your choice. Usually, the higher the deductible you choose, the lower your premium for Comprehensive coverage will be.
Keep in mind that Comprehensive insurance won't pay for all types of damages to your vehicle. That's why Comprehensive coverage goes hand-in-hand with Collision, which has a deductible as well. Collision helps pay for vehicle repairs after your car hits another object, like a tree, light post, or guardrail. Or if it flips in an accident! Collectively, Comprehensive and Collision are often labeled "full coverage."
Who needs Comprehensive coverage in Clarksville? It's not mandated by Tennessee insurance law, but you might be required to carry Comprehensive insurance if you're leasing or financing your car. If you decide not to get Comprehensive, your lender may buy it for you and tack it on to your loan. This way can be more expensive than if you purchase Comprehensive insurance on your own. What if you don't have a loan on your vehicle? Then getting Comprehensive coverage is your choice! 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, saying yes to Comprehensive coverage and a workable deductible may be worthwhile.
At Direct Auto & Life Insurance in Clarksville, Comprehensive car insurance is affordable to get and easy to understand. We offer the solid protection you need, plus the great services 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 right insurance policy for your needs and identify every discount you're entitled to. We promise! From there, you have the freedom to make your car insurance even more affordable by customizing your payment schedule and choosing how you want to pay. Whether you pay by credit card, check, or cash, paying for Comprehensive insurance in Clarksville is hassle-free with Direct Auto & Life Insurance! Visit your nearby office or call 1-877-GO-DIRECT (1-877-463-4732) to get all the facts on Comprehensive insurance coverage today!