Searching for affordable Comprehensive car insurance in Kingsport? Come to your local Direct Auto & Life Insurance. Comprehensive coverage may not be required by Tennessee law, but it can be extremely helpful if you run into trouble while driving. It will help pay for auto repairs that resulted from an event other than a collision. That's why you might hear your insurance agent refer to it 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? You don't have to worry when you have Comprehensive car insurance. After you meet your deductible, Comprehensive insurance will pay for your motorcycle, truck, or car to be repaired or replaced.
What’s a deductible? A deductible is the amount of money you would pay out-of-pocket, up front for the damage to your vehicle. Deductibles vary by state and insurance company, but generally range from $100 to $1,500. Your Comprehensive deductible is completely up to you. Usually, the higher the deductible, the lower the premium for Comprehensive.
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 stop sign, tree, or guardrail. Or, it flips in an accident or is hit by a "hit and run" driver. Collectively, Comprehensive and Collision are often referred to as "full coverage."
Do I need Comprehensive coverage in Kingsport? Tennessee insurance law doesn't mandate it, but you may be required to carry Comprehensive coverage [marketing-content-p4-3] but you could be required to have Comprehensive insurance if you're leasing or financing your car. If you don't buy Comprehensive, your lender may purchase it for you and add it to your loan balance. This way can be pricier than if you buy Comprehensive coverage on your own. What if you don't have a loan on your vehicle? Buying Comprehensive coverage is up to you! 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.
Here at Direct Auto & Life Insurance in Kingsport, Comprehensive coverage is easy to understand and affordable to get. We offer the solid protection you need, 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'll help you put together the right insurance policy for your needs and find ALL the discounts you're entitled to. It's a promise. After that, you have the freedom to make your car insurance even more affordable 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 Kingsport is simple 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!