Searching for low cost Comprehensive coverage in Dayton? Look no further than 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 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." 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. Meet your deductible and then your Comprehensive coverage will kick in to help pay for your car, truck, 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. Deductibles vary by state and insurance company, but generally range from $100 to $1,500. Your Comprehensive deductible is completely up to you. In general, 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 your vehicle to be repaired after it hits another object, like a guardrail, tree, or street light. Or if it flips in an accident! Together, Comprehensive and Collision are often labeled "full coverage."
Do I need Comprehensive coverage in Dayton? 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 decide not to get Comprehensive, your lender may buy it for you and tack it on to your loan. This route can carry a higher price tag than if you bought Comprehensive car insurance on your own. What if your vehicle isn't financed or leased? Buying Comprehensive coverage is up to you! Before going without it, give some thought to the age of your vehicle. How much is it worth? Would you be comfortable paying for it to be replaced or repaired on your own? If that thought gives you instant anxiety, saying yes to Comprehensive coverage and a workable deductible may be worthwhile.
At Direct AutoInsurance in Dayton, Comprehensive car insurance is easy to understand and affordable to get. We offer the protection you want, plus the great services you deserve. With us, there's no need to cut back on important coverages to try and save a buck. We help you determine the best insurance for your needs and find every discount you're eligible for. That's our promise! Next, you can make your car insurance feel even more affordable (and manageable) by customizing how and when you pay. It doesn't matter if you pay cash in-person or pay with a credit card, making policy payments and maintaining Comprehensive coverage in Dayton is easy with Direct AutoInsurance! Call 1-877-GO-DIRECT (1-877-463-4732) or stop by your nearest location to learn more about Comprehensive coverage today!