Need cheap Comprehensive car insurance in Hermitage? 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." 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. Once you meet your deductible, Comprehensive coverage will help pay for your motorcycle, truck, or car 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 is completely up to you. Usually, 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. 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 tree, light post, or guardrail. Or if it flips in an accident! When combined, Comprehensive and Collision are often referred to as "full coverage."
Who needs Comprehensive coverage in Hermitage? It isn't required by Tennessee insurance law, but you might be required to carry Comprehensive insurance if your vehicle is financed or leased. If you decide not to get Comprehensive, your lender might buy it for you and add it to your existing loan balance. This path can be more expensive than if you purchase Comprehensive insurance on your own. What if your vehicle isn't financed or leased? Then getting Comprehensive coverage is your choice! 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 gives you instant anxiety, saying yes to Comprehensive coverage and a workable deductible may be worthwhile.
At Direct Auto & Life Insurance in Hermitage, Comprehensive insurance is easy and affordable to get. 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'll help you put together the best insurance for your needs and identify every discount you're entitled to. We promise! After that, you can make your car insurance feel even more affordable (and manageable) by customizing the time and way you pay. Whether you pay by credit card, check, or cash, paying for Comprehensive insurance in Hermitage is hassle-free 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!