Looking for cheap Comprehensive car insurance in Dayton? Come to your nearest 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 cover vehicle repairs that result from something other than a collision. That's why it is often referred to as, "Other than Collision Coverage." Let's say your car is damaged by a natural disaster, stolen, vandalized, or damaged by contact with an animal. Would you have enough money to get it fixed or to buy yourself a new one? You don't have to worry when you have Comprehensive car insurance. After you meet your deductible, Comprehensive insurance will 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. Your Comprehensive deductible is completely up to you. In general, going with a high deductible is a good way to lower your premium for Comprehensive coverage.
Keep in mind that Comprehensive insurance only covers some types of vehicle damage. Comprehensive coverage is almost always purchased alongside Collision for this very reason. It also carries a deductible. Collision helps pay for your vehicle to be repaired after it hits another object, like a guardrail, tree, or street light. Or if it flips in an accident! Together, Collision and Comprehensive are often called "full coverage."
Do all drivers need Comprehensive coverage in Dayton? It's not mandated by Tennessee insurance law, but you may be required to carry Comprehensive coverage if your car is leased or financed. If you don't buy Comprehensive, your lender may buy it for you and tack it on to your loan. This route can be more expensive than if you purchase Comprehensive insurance on your own. What if your vehicle isn't financed or leased? You can choose whether or not you buy Comprehensive coverage! 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 worries you, saying yes to Comprehensive coverage and a manageable deductible might be worth it.
Here at Direct Auto & Life Insurance in Dayton, Comprehensive coverage is affordable to get and easy to understand. We offer the protection you want, plus the quality 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 best insurance for your needs and find every discount you're eligible for. That's our promise! After that, you have the opportunity to take your auto insurance to a whole new level of affordability by customizing your payment schedule and choosing how you want to pay. It doesn't matter if you pay cash in-person or pay with a credit card, staying on top of policy payments and your Comprehensive coverage in Dayton is simple with Direct Auto & Life Insurance! Call 1-877-GO-DIRECT (1-877-463-4732) or stop by your nearest location to learn more about Comprehensive coverage today!