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Need affordable Comprehensive car insurance in Cookeville? Come to your local Direct Auto & Life Insurance. Comprehensive coverage isn't required by Tennessee law, but it can definitely come in handy if you have trouble on the road. It helps pay for car repairs that result from an event other than a collision, which is why it's often called, "Other than Collision Coverage." Say your car is stolen, vandalized, 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. After you meet your deductible, Comprehensive insurance will pay for your motorcycle, truck, or car 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. In general, going with a high deductible is a good way to lower your premium for Comprehensive coverage.

Remember that Comprehensive coverage doesn't cover any and all damages to your car. Comprehensive coverage is almost always purchased alongside Collision for this very reason. It also carries a deductible. Collision helps pay for vehicle repairs after your car hits another object, like a stop sign, tree, or guardrail. Or if it flips in an accident! When combined, Comprehensive and Collision are often labeled "full coverage."

Who needs Comprehensive coverage in Cookeville? Tennessee insurance law doesn't mandate it, but you could be required to have Comprehensive insurance if your vehicle is financed or leased. If you choose not to purchase Comprehensive, your lender might buy it for you and add it to your existing loan balance. This path can carry a higher price tag than if you bought Comprehensive car insurance on your own. What if you don't have a loan on your vehicle? You can choose whether or not you buy Comprehensive coverage! Before going without it, though, think about the age of your vehicle and whether you would feel comfortable paying for it to be repaired or replaced out of your own pocket. If that thought worries you, getting Comprehensive coverage and a convenient deductible could prove valuable.

At Direct Auto & Life Insurance in Cookeville, Comprehensive car insurance is easy to understand and affordable to get. We have the on-the-road protection you want, plus the quality services you deserve. With us, you don't have to skip out on important coverages to try and make your insurance cheaper. We help you identify the right insurance policy for your needs and identify every discount you're entitled to. We promise! After that, you have the opportunity to take your auto insurance to a whole new level of affordability by customizing how and when you pay. Whether it's by cash, credit card, or check, staying on top of policy payments and your Comprehensive coverage in Cookeville is simple 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!

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Tennessee drivers caught driving without the proper insurance could face a fine of $300. Law enforcement officials can have your vehicle towed immediately if you cannot provide proof that your vehicle is properly insured. On January 1, 2017, Tennessee put into place a new online insurance verification program. The system has the ability to identify drivers without insurance through their vehicle registrations. If a vehicle is identified as having an uninsured owner, the owner will not be able to renew their vehicle's registration.