Looking for cheap Comprehensive car insurance in Collierville? Head towards your nearby Direct AutoInsurance. 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." Say your car is stolen, vandalized, 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. Meet your deductible and then your Comprehensive coverage will kick in to help pay for your truck, car, or motorcycle 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. Typical deductibles range from $100 to $1,500, but they vary by state and insurance company. Your Comprehensive deductible is completely up to you. Generally speaking, 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. 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 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 referred to as "full coverage."
Do I need Comprehensive coverage in Collierville? It's not mandated by Tennessee insurance law, but you may be required to carry Comprehensive coverage [marketing-content-p4-3] but you could be required to have Comprehensive insurance if your car is leased or financed. If you choose not to purchase Comprehensive, your lender may purchase it for you and add it to your loan balance. 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? Then getting Comprehensive coverage is your choice! 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 idea troubles you, getting Comprehensive coverage and a workable deductible may be worthwhile.
At Direct AutoInsurance in Collierville, Comprehensive car insurance is affordable to get and easy to understand. We have the on-the-road protection you want, plus the excellent customer service 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 policy for your needs and identify every discount you're entitled to. We promise! From there, you have the freedom to make your car insurance even more affordable by customizing how and when you pay. Whether it's by cash, credit card, or check, staying on top of policy payments and your Comprehensive coverage in Collierville 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!