Need low cost Comprehensive coverage in Bristol? Look no further than your nearest Direct AutoInsurance. While Tennessee law does not require drivers to have Comprehensive coverage, it can still be beneficial to have. 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 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. The Comprehensive deductible you choose is up to you. In general, the higher the deductible, the lower the premium for Comprehensive.
Remember that Comprehensive insurance only covers some types of vehicle damage. That's why Comprehensive coverage goes hand-in-hand with Collision, which has a deductible as well. Collision helps pay for vehicle repairs after your car hits another object, like a tree, light post, or guardrail. Or, it flips in an accident or is hit by a "hit and run" driver. When combined, Collision and Comprehensive are often called "full coverage."
Do I need Comprehensive coverage in Bristol? It's not mandated by Tennessee insurance law, but you might be required to carry 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 more expensive than if you purchase Comprehensive insurance 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 insurance and a workable deductible may be worthwhile.
At Direct AutoInsurance in Bristol, Comprehensive insurance is easy to understand and affordable to get. We offer the solid protection you need, plus the great services you deserve. There's no need to pass up essential coverage to try and save money. We help you identify the best policy 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 your payment schedule and choosing how you want to pay. Whether it's by cash, credit card, or check, staying on top of policy payments and your Comprehensive coverage in Bristol is simple with Direct AutoInsurance! Visit your nearby office or call 1-877-GO-DIRECT (1-877-463-4732) to get all the facts on Comprehensive insurance coverage today!