Need cheap Comprehensive car insurance in Athens? Head towards your local Direct AutoInsurance. Comprehensive coverage isn't required by Tennessee law, but it can definitely come in handy if you have trouble on the road. 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." Say your car is stolen, vandalized, damaged by a natural disaster, or damaged by contact with an animal. How hard would it be for you to pay to get it repaired or replaced? 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 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. The Comprehensive deductible you choose is up to you. In general, going with a high deductible is a good way to lower your premium for Comprehensive coverage.
Remember 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 stop sign, tree, or guardrail. Or if it flips in an accident! Collectively, Comprehensive and Collision are often referred to as "full coverage."
Who needs Comprehensive coverage in Athens? It isn't required by Tennessee insurance law, but you might be required to carry Comprehensive insurance if your car is leased or financed. If you don't buy Comprehensive, your lender may purchase it for you and add it to your loan balance. This way can carry a higher price tag than if you bought Comprehensive car insurance on your own. No car loan? Buying Comprehensive coverage is up to you! 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 worries you, saying yes to Comprehensive coverage and a workable deductible may be worthwhile.
At Direct AutoInsurance in Athens, Comprehensive insurance is easy to understand and affordable to get. We offer the protection you want, 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 identify the best insurance for your needs and find every discount you're eligible for. That's our promise! After that, you can make your car insurance feel even more affordable (and manageable) by customizing the time and way you pay. Whether it's by cash, credit card, or check, staying on top of policy payments and your Comprehensive coverage in Athens is simple with Direct AutoInsurance! Stop by your neighborhood location or call 1-877-GO-DIRECT (1-877-463-4732) to learn more about Comprehensive coverage!