AmeriAgency Has The Most Affordable Auto Insurance Murfreesboro TN
Collision and comprehensive insurance
Unlike property-damage liability, collision coverage pays to repair your own vehicle in the event of an accident. Your collision claim check will be reduced by the amount of your collision deductible.
Your car is considered “totaled” when the repair costs exceed a certain threshold of the car’s value, such as 70 percent. At that point, the insurance company will tow away the car to the salvage yard and offer you the actual cash value of your car, minus the deductible.
To keep your premium costs down when you buy collision coverage, you can raise your deductible. The higher your deductible, the lower your premium. But remember, you’ll have to pay that amount out of your pocket. Call AmeriAgency at 888-851-5572 for affordable auto insurance Murfreesboro TN.
Comprehensive coverage pays for damage to your car that isn’t due to car accidents. That includes theft, fire, vandalism, natural disasters and collisions with animals (such as hitting a deer). Damage to your windshield may be covered under your comprehensive coverage as well. In some states, comprehensive coverage includes glass repair and replacement with no deductible, but it varies from state to state. Ask your agent about the specifics when you purchase your policy.
While neither collision nor comprehensive coverage is required by any state, your lender (if you are financing your car) may require that you carry this coverage until you have paid for your car in full. After your car is paid off, you can drop collision and comprehensive, although you may want to maintain the coverage to protect your own investment in the vehicle. Call AmeriAgency today at 888-851-5572 for the best process in the auto insurance world and the lowest rates on affordable auto insurance Murfreesboro TN.