Searching for affordable Comprehensive car insurance in Springfield? Head towards your nearest Direct AutoInsurance. While Tennessee law does not require drivers to have Comprehensive coverage, it can still be beneficial to have. 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 you have enough money to get it fixed or to buy yourself a new one? You don't have to worry when you have Comprehensive car insurance. After you meet your deductible, Comprehensive insurance will 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. Your Comprehensive deductible is completely up to you. In general, going with a high deductible is a good way to lower your premium for Comprehensive coverage.
Keep in mind that Comprehensive insurance only covers some types of vehicle damage. Comprehensive coverage is almost always purchased alongside Collision for this very reason. It also carries a deductible. Collision helps pay for vehicle repairs after your car hits another object, like a stop sign, tree, 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 all drivers need Comprehensive coverage in Springfield? Tennessee insurance law doesn't mandate it, but you might be required to carry Comprehensive insurance if your car is leased or financed. If you don't buy 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 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 convenient deductible could prove valuable.
Here at Direct AutoInsurance in Springfield, Comprehensive coverage is affordable to get and easy to understand. We offer the protection you want, plus the great services you deserve. There's no need to pass up essential coverage to try and save money. We'll help you put together 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 you pay by credit card, check, or cash, staying on top of policy payments and your Comprehensive coverage in Springfield is simple 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!