Comprehensive Coverage

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Need cheap Comprehensive car insurance in Lakeland? Head towards your nearest 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 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 vehicle is vandalized, stolen, 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? 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’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.

Remember that Comprehensive insurance won't pay for all types of damages to your vehicle. 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 guardrail, tree, or street light. Or, it flips in an accident or is hit by a "hit and run" driver. When combined, Comprehensive and Collision are often labeled "full coverage."

Do all drivers need Comprehensive coverage in Lakeland? Tennessee insurance law doesn't mandate it, but you might be required to carry Comprehensive insurance if your vehicle is financed or leased. If you don't buy Comprehensive, your lender might buy it for you and add it to your existing loan balance. This route can be pricier than if you buy Comprehensive coverage 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 rejecting it, give some thought to the age of your car and whether you'd be able to pay for repairs or replacement out of your own pocket. If that thought gives you instant anxiety, getting Comprehensive insurance and a manageable deductible might be worth it.

At Direct Auto & Life Insurance in Lakeland, Comprehensive car insurance is easy and affordable to get. We offer the solid protection you need, 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 determine the best policy for your needs and find every discount you're eligible for. That's our 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, staying on top of policy payments and your Comprehensive coverage in Lakeland 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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