Need affordable Comprehensive car insurance in Clarksville? Look no further than your nearest 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." Imagine that 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? There's no need to worry when you have Comprehensive insurance. Once you meet your deductible, Comprehensive coverage will help pay for your car, truck, or motorcycle to be repaired or replaced.
What’s the definition of a deductible? A car insurance deductible is what you pay to repair your car if you have an accident or claim. 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, going with a high deductible is a good way to lower your premium for Comprehensive coverage.
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 tree, light post, 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 Clarksville? 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 your vehicle is financed or leased. If you decide not to get Comprehensive, your lender may purchase it for you and add it to your loan balance. This route can be pricier than if you buy Comprehensive coverage on your own. What if your vehicle isn't financed or leased? 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 idea troubles you, saying yes to Comprehensive coverage and a manageable deductible might be worth it.
At Direct AutoInsurance in Clarksville, Comprehensive insurance is easy and affordable to get. 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 identify the right insurance 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, paying for Comprehensive insurance in Clarksville is hassle-free 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!