Searching for affordable Comprehensive car insurance in Elizabethton? Look no further than 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 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. How hard would it be for you to pay to get it repaired or replaced? There's no need to worry when you have Comprehensive insurance. After you meet your deductible, Comprehensive insurance will 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. 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 you choose, the lower your premium for Comprehensive coverage will be.
Note that Comprehensive insurance won't pay for all types of damages to your vehicle. That's why Comprehensive coverage goes hand-in-hand with Collision, which has a deductible as well. Collision pays for car repairs after your vehicle hits another object, like a tree, light post, or guardrail. Or if it flips in an accident! When combined, Comprehensive and Collision are often referred to as "full coverage."
Do I need Comprehensive coverage in Elizabethton? 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 decide not to get Comprehensive, your lender may purchase it for you and add it to your loan balance. This way can be more expensive than if you purchase Comprehensive insurance on your own. No car loan? You can choose whether or not you buy Comprehensive coverage! 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 idea troubles you, saying yes to Comprehensive coverage and a convenient deductible could prove valuable.
At Direct AutoInsurance in Elizabethton, Comprehensive insurance is affordable to get and easy to understand. We offer the solid protection you need, 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 policy for your needs and find ALL the discounts you're entitled to. It's a 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. It doesn't matter if you pay cash in-person or pay with a credit card, making policy payments and maintaining Comprehensive coverage in Elizabethton is easy with Direct AutoInsurance! Stop by your neighborhood location or call 1-877-GO-DIRECT (1-877-463-4732) to learn more about Comprehensive coverage!