Searching for affordable Comprehensive car insurance in Johnson City? Come to your nearest Direct Auto & Life Insurance. While Tennessee law does not require drivers to have Comprehensive coverage, it can still be beneficial to have. 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." Let's say your car is damaged by a natural disaster, stolen, vandalized, 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 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. Deductibles vary by state and insurance company, but generally range from $100 to $1,500. 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! Collectively, Comprehensive and Collision are often labeled "full coverage."
Who needs Comprehensive coverage in Johnson City? It isn't required by Tennessee insurance law, but you may be required to carry Comprehensive coverage [marketing-content-p4-3] 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 may buy it for you and tack it on to your loan. This path can be pricier than if you buy Comprehensive coverage on your own. What if your vehicle isn't financed or leased? Then getting Comprehensive coverage is your choice! 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 idea troubles you, getting Comprehensive coverage and a manageable deductible might be worth it.
At Direct Auto & Life Insurance in Johnson City, Comprehensive insurance is affordable to get and easy to understand. We offer the protection you want, plus the excellent customer service you deserve! There's no need to pass up essential coverage to try and save money. We help you determine the best insurance for your needs and identify every discount you're entitled to. We promise! Next, you have the freedom to make your car insurance even more affordable by customizing how and when you pay. It doesn't matter if you pay cash in-person or pay with a credit card, paying for Comprehensive insurance in Johnson City is hassle-free 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!