(800) 253-1482What Is Comprehensive Insurance in Tennessee?
Summary: Comprehensive insurance in Tennessee covers non-collision incidents like theft, vandalism, falling objects, fires, hitting animals, and weather damage, unlike liability or collision insurance. It doesn’t cover accident-related damages or personal property theft. The cost depends on your vehicle’s value and deductible; a higher deductible reduces premiums but increases out-of-pocket costs. It is ideal for peace of mind against unexpected damage and is often required for financed or leased vehicles. While comprehensive coverage covers non-collision events, collision insurance handles accident-related damages. Combining both coverages can offer savings, but neither covers uninsured motorists or accident damages. Estimated Read Time: 5 mins
Table of Contents:
Comprehensive insurance protects Tennessee drivers from incidents that liability or collision insurance won't cover, such as theft, vandalism, and weather-related damage.
It fills the gaps by covering a range of unforeseen events that could impact your vehicle.
Use our tool below to get quotes on comprehensive insurance or speak with an agent to learn how you can save more by comparing top-rated auto insurance companies near you.
What Does Comprehensive Insurance Cover for Tennessee
Comprehensive car insurance covers perils that can damage your vehicle outside of accidents with other drivers. Here’s how drivers in Tennessee are covered:
- Damage caused by falling objects, including trees
- Damage from fires and explosions
- Damage from rocks and other thrown objects from other vehicles
- Damage to your glass and windshield may be covered
- Hitting an animal
- Riots, vandalism, theft (including grand theft auto)
- Weather-related damage (hail, floods, earthquakes, etc.)
What’s Not Covered by Your Coverage
While your policy generally covers damage to your vehicle that is not caused by an accident with another party's vehicle or property, it's not going to protect you from everything.
You should review what your policy does not cover to fully understand your protection.
This will help you avoid surprises and better protect your vehicle and finances.
Here are some common exceptions drivers in Tennessee should be aware of:
- Damage from accidents to you or another vehicle
- Hit-and-runs
- Loss of income following an accident
- Medical and legal expenses in the aftermath of an accident.
- Personal property stolen or damaged inside your vehicle
- Pothole damage.
- Underinsured and uninsured motorists
While comprehensive car coverage won’t protect you from the perils listed above, there are other forms of auto insurance available that can help. Be sure to compare and find a level of coverage that meets your needs.
Comparing Comprehensive vs Collision Insurance in TN
Comprehensive insurance coverage isn’t the same as collision but both are often paired together to create “full coverage”, along with a liability policy.
Collision coverage is a protection that restores your vehicle after an accident even if you cause the accident.
Remember, comprehensive coverage is there for you when you suffer a loss not involving a wreck.
Both are affordable protections and can work together to help you better prepare for potential losses to your vehicle.
The Benefits of Comprehensive Coverage for Tennessee Drivers
Most drivers can benefit from maintaining comprehensive insurance and should have enough coverage to help them fully restore their vehicle from larger losses, assuming it’s not totaled.
Finding the right policy is going to provide you with many benefits without breaking the bank in the process. Here are a few reasons to add this protection to your auto policy:
Restore Damage to Your Glass and Windshield
Depending on your policy, you may have coverage to restore your windshield when it cracks or damages your vehicle’s other windows.
Keep in mind that each policy is different and there still may be deductibles to consider before you can submit a claim.
Still, for some drivers in Tennessee, this is an added perk that can bring peace of mind and quick repairs.
Protection Against the Weather
Whether it’s flooding in the Upper Tennessee Valley, wildfires near Pigeon Forge, or a tree falling down on your vehicle wherever you find yourself in the Volunteer State, comprehensive insurance has you covered.
Peace of Mind for Grand Theft Auto
You’re more likely to have your vehicle stolen in Tennessee than a large majority of states, despite having a smaller population than many others in the nation.
This is an unfortunate statistic, however, drivers can prepare and protect against grand theft auto with the right insurance policy.
Lease or Finance Your Vehicle
Most companies offering to finance or lease vehicles make comprehensive car insurance a requirement within their terms and conditions.
If you’re relying on these options to purchase or lease your vehicle, be aware that affordable coverages are available.
The Cost of Comprehensive Auto Insurance in Tennessee
On average, the cost of comprehensive auto insurance coverage for drivers in Tennessee is $32 per month and $384 per year.
However, each insurance company measures risk differently, so rates can vary even for the same driver and coverage.
Calculating the cost of comprehensive insurance is like other policies—it depends on the risk you present as a client.
Your premium is also affected by your deductible amount and your vehicle's value, among other factors, such as where you live, how much you drive, your driving record, etc.
Furthermore, your vehicle's value matters because payouts are usually based on your car's Actual Cash Value (ACV).
If an older car is damaged, like by a tree falling on it, the coverage won’t pay for a brand-new model; you’d have to cover the extra cost yourself.
Deductibles and Policy Limits
Like collision insurance, comprehensive coverage comes with a deductible—the amount you pay out-of-pocket before your insurer covers the rest.
For example, if you have repairs that cost $2,000 but a $1,000 deductible, you'll pay half and your insurance company will provide the other half as a reimbursement for your claim.
A higher deductible can help you lower your premiums but if you have an accident, you're on the hook for more money upfront.
Lower deductibles typically come with higher premiums but if you have an accident, your insurance company takes on a larger financial responsibility.
Higher deductibles suit drivers with fewer claims, while lower deductibles can save money for those more likely to file claims.
Consider personal factors when choosing your deductible, like the risk of damage to your vehicle from appropriate perils and your risk tolerance, to find the right amount for your needs.
Quick Facts About Comprehensive Insurance in Tennessee
Making an informed decision about your Tennesee car insurance policy is essential for being prepared for whatever you might face.
Here are some important facts to consider when shopping for comprehensive coverage:
- Full coverage can include comprehensive insurance but they are not the same. You can, in some cases, forgo full coverage and just purchase comprehensive coverage. However, you can save through discounts when you purchase full coverage auto insurance.
- Neither collision nor comprehensive coverages protect drivers in Tennessee from uninsured motorists. You’ll need a separate uninsured motorist (UM/UIM) coverage policy.
- There may come a time when dropping comprehensive insurance makes sense. If you aren’t leasing or financing your vehicle, can afford to restore or replace your vehicle after a major loss, and its value isn’t worth the premium and deductible, speak with your insurance agent.
Sources:
What Is Comprehensive Insurance in Missouri?
Summary: Comprehensive insurance covers incidents that can damage your vehicle outside of a wreck. Things like flooding, hail damage, hitting a deer, etc. It’s not required by law but some drivers may be required to purchase the coverage if they lease or finance their vehicles. Missouri drivers aren’t protected against everything, but comprehensive auto insurance is a very affordable safeguard against paying large, out-of-pocket repair costs. Compare rates near you and get quotes to save more while protecting your vehicle. Estimated Read Time: 4 mins
Table of Contents:
- What Comprehensive Car Insurance Covers for Drivers in Missouri
- What’s Not Covered By Comprehensive Insurance in Missouri
- Facts About Comprehensive Insurance in Missouri
- Get Quotes for Missouri Comprehensive Insurance
Comprehensive insurance protects drivers in Missouri from weather-related claims, such as flooding, hail, fires, etc., while also covering theft, vandalism, and collisions with animals.
Other forms of car insurance in Missouri don’t cover these perils and while it’s not mandatory, you can protect your vehicle from more with affordable coverage.
To compare top-rated carriers near you, get quotes on comprehensive auto insurance using our tool below:
What Comprehensive Car Insurance Covers for Drivers in Missouri
With a comprehensive car insurance policy, drivers are covered for losses that happen outside of accidents. Though it’s not a blanket coverage, here are some common examples of how you’re covered:
- Weather-related damage, such as flooding, hail, etc.
- There’s a storm causing a tree limb to fall on your car
- You’re driving down the road and hit a deer
- Rocks or other objects are thrown from a vehicle and damage yours
- Your glass is damaged, including your windshield
- There is an act of vandalism or a riot that damages your vehicle
- Damage from explosions and fire
- Your vehicle is stolen
What’s Not Covered By Comprehensive Insurance in Missouri
Comprehensive coverage is helpful for many losses that don’t involve other vehicles or accidents, however, there are plenty of exclusions, such as:
- Damage to your vehicle or another driver while driving
- Underinsured motorists who can’t fully cover your damage after an accident
- Hit-and-runs
- Loss of income following an accident.
- Medical and legal expenses after an accident
- Personal property that is stolen or damaged while in your vehicle
- Pothole damage
Facts About Comprehensive Insurance in Missouri
There are many moving parts when it comes to understanding comprehensive auto insurance.
Every policy is different, but the nature of this coverage provides common traits for drivers who are looking to protect their vehicles.
Here are some common, important key takeaways about comprehensive insurance in Missouri every driver should know:
Is it Required?
Comprehensive insurance coverage isn’t required by state law but there are some situations in which drivers must have this protection in place.
Specifically, you’re going to need to likely include this coverage if you are leasing or financing your vehicle, due to the terms and conditions of your contract.
Comprehensive vs Collision Insurance in Missouri
While both protections are found in full coverage auto insurance, comprehensive and collision operate differently. Here’s how they compare:
- You need comprehensive coverage when you’re protecting against weather-related, non-accident perils.
- Collision coverage is how you restore your own vehicle after an accident no matter if you’re at fault.
Together, both coverages are effective additions to liability and help you protect against more with affordable insurance.
Deductibles and Policy Limits
Comprehensive insurance has a deductible you must pay before your insurer reimburses you.
You and your insurance company agree on the deductible you choose when you enroll.
Depending on how much your deductible is will affect how much premium you pay every month but it will also affect the amount of money out of pocket you’ll be responsible for after an accident.
For instance, choosing a $2,000 deductible typically lowers your monthly premium compared to a $1,000 deductible.
If a repair costs $3,000, with a $2,000 deductible, you’d pay the first $2,000 and receive $1,000 from your insurer. With a $1,000 deductible, you would get $2,000 in reimbursements.
Higher deductibles are best for drivers with a history of fewer claims, while lower deductibles may be more cost-effective if you’re more likely to file a claim.
Consider your personal circumstances, such as exposure to risks like falling trees, when choosing your deductible.
Drivers who rarely file claims should opt for higher deductibles but be ready for the associated out-of-pocket costs, whereas those prone to claims may benefit from lower deductibles to ease financial burdens.
How Much Is It?
On average, drivers in Missouri pay $29 per month or $348 per year for comprehensive insurance.
The cost of your comprehensive auto insurance coverage is determined by the risk you pose as a client, similar to other policies.
Insurance companies assess risks differently, so rates can vary even for the same coverage and driver.
Your premium is also influenced by your deductible and the value of your vehicle.
Since compensation is usually based on the vehicle’s actual cash value (ACV), if an older car is damaged, like from a fallen tree, the coverage may not fully cover the cost of a new model, leaving you to pay the difference.
Do I Need Coverage?
If you live in or drive through an area that is often affected by weather-related perils, you should consider comprehensive insurance.
For example, if you live where there are plenty of trees or in an area prone to flooding, adding this coverage to your auto insurance policy makes a lot of sense.
Then again, it’s important to remember that anyone leasing or financing a vehicle will likely be required to have comprehensive car insurance no matter what.
Get Quotes for Missouri Comprehensive Insurance
Finding the right policy can feel time-consuming but we’re here to help. You can get a free auto insurance quote by clicking the link or using the tool above to find the cheapest car insurance near you quickly.
If you’d like some assistance, our team is available. Contact us today to learn more about comprehensive insurance and how to save.
Sources:
1. Cover your car, Missouri Department of Insurance.
Cover your car, Missouri Department of Insurance. Accessed September 2024. https://insurance.mo.gov/Contribute%20Documents/tnCarIns.pdf
What Is Comprehensive Insurance in Texas?
Summary: Comprehensive insurance in Tennessee covers non-collision incidents like theft, vandalism, falling objects, fires, hitting animals, and weather damage, unlike liability or collision insurance. It doesn’t cover accident-related damages or personal property theft. The cost depends on your vehicle’s value and deductible; a higher deductible reduces premiums but increases out-of-pocket costs. It is ideal for peace of mind against unexpected damage and is often required for financed or leased vehicles. While comprehensive coverage covers non-collision events, collision insurance handles accident-related damages. Combining both coverages can offer savings, but neither covers uninsured motorists or accident damages. Estimated Read Time: 5 mins
Table of Contents:
What Does Comprehensive Insurance Cover for Tennessee
Comprehensive car insurance covers perils that can damage your vehicle outside of accidents with other drivers. Here’s how drivers in Tennessee are covered:
- Damage caused by falling objects, including trees
- Damage from fires and explosions
- Damage from rocks and other thrown objects from other vehicles
- Damage to your glass and windshield may be covered
- Hitting an animal
- Riots, vandalism, theft (including grand theft auto)
- Weather-related damage (hail, floods, earthquakes, etc.)
What’s Not Covered by Your Coverage
While your policy generally covers damage to your vehicle that is not caused by an accident with another party's vehicle or property, it's not going to protect you from everything.
You should review what your policy does not cover to fully understand your protection.
This will help you avoid surprises and better protect your vehicle and finances.
Here are some common exceptions drivers in Tennessee should be aware of:
- Damage from accidents to you or another vehicle
- Hit-and-runs
- Loss of income following an accident
- Medical and legal expenses in the aftermath of an accident.
- Personal property stolen or damaged inside your vehicle
- Pothole damage.
- Underinsured and uninsured motorists
While comprehensive car coverage won’t protect you from the perils listed above, there are other forms of auto insurance available that can help. Be sure to compare and find a level of coverage that meets your needs.
The Benefits of Comprehensive Coverage for Tennessee Drivers
Most drivers can benefit from maintaining comprehensive insurance and should have enough coverage to help them fully restore their vehicle from larger losses, assuming it’s not totaled.
Finding the right policy is going to provide you with many benefits without breaking the bank in the process. Here are a few reasons to add this protection to your auto policy:
Restore Damage to Your Glass and Windshield
Depending on your policy, you may have coverage to restore your windshield when it cracks or damages your vehicle’s other windows.
Keep in mind that each policy is different and there still may be deductibles to consider before you can submit a claim.
Still, for some drivers in Tennessee, this is an added perk that can bring peace of mind and quick repairs.
Protection Against the Weather
Whether it’s flooding in the Upper Tennessee Valley, wildfires near Pigeon Forge, or a tree falling down on your vehicle wherever you find yourself in the Volunteer State, comprehensive insurance has you covered.
Peace of Mind for Grand Theft Auto
You’re more likely to have your vehicle stolen in Tennessee than a large majority of states, despite having a smaller population than many others in the nation.
This is an unfortunate statistic, however, drivers can prepare and protect against grand theft auto with the right insurance policy.
Lease or Finance Your Vehicle
Most companies offering to finance or lease vehicles make comprehensive car insurance a requirement within their terms and conditions.
If you’re relying on these options to purchase or lease your vehicle, be aware that affordable coverages are available.
Comprehensive Car Insurance Cost
According to the Insurance Information Institute (III) and the National Association of Insurance Commissioners (NAIC), the average cost for comprehensive coverage in Texas is $269.90 a year for drivers.
Data from the III and ISO®, a Verisk Analytics® business also shows that the average comprehensive insurance claim equated to $1,995 in 2020.
Calculating the cost of your comprehensive coverage insurance is similar to any other policy. The amount you pay in premium comes down to determining the risk you pose as a client.
Carriers all assess risks differently meaning that the different factors looked at by a company can result in different rates for the same driver and coverage because of their method of calculation. But remember, comprehensive coverage is also affected by both the amount you pay in deductible and the value of your vehicle.
Furthermore, the value of your vehicle affects the price of your premium because your compensation is typically based on the Actual Cash Value (ACV) your vehicle is worth.
This means that if you were to incur a loss to an older model vehicle, such as a tree falling on your car in your driveway, and you were to want a new year model, your coverage will not cover the entire cost of replacement. Any additional funds needed would come from your pocket.
How Much Comprehensive Coverage Do I Need?
You need to enroll in enough comprehensive car insurance coverage to help you restore a major loss. This is typically coverage used with newer, financed, and/or leased vehicles. Be sure to enroll in a level of coverage that doesn’t break the bank in premiums but protects you from major losses.
Is Comprehensive Insurance Full Coverage?
While car insurance with comprehensive coverage is a part of full coverage, they are not the same. Full coverage combines liability, collision, and comprehensive into one, whereas comprehensive is a standalone policy that can help drivers protect against more than just liability.
When To Drop Comprehensive Coverage?
Many people say that after five or six years, you can drop comprehensive coverage on your vehicle. However, it’s important to realize that this is different for everyone. Here are a few factors to consider:
- Are you leasing your vehicle?
- Do you still finance your vehicle?
- Is there a legitimate risk of weather-related perils that can damage your vehicle?
- Regardless of age, does your vehicle still maintain its value?
- Can you afford to sustain a major loss because of a non-accident-related incident to restore your vehicle?
Basically, when you own your vehicle and can either afford to restore it after a major loss, have a vehicle that isn’t worth the amount you would pay in premium and deductible to restore it, or a combination of the two, you may want to consider dropping comprehensive insurance.
Remember, these factors and more are going to look different for each driver. Be sure to speak with a licensed insurance agent before making significant changes to your auto policies.
Get Your Texas Comprehensive Car Insurance Quote
Freedom Insurance Group helps drivers throughout Texas save money on their auto insurance policies. Whether you are looking to stay legal with minimal coverage, prepare for the unexpected through comprehensive coverage, or looking for any other coverage option such as collision, we’ve got you covered.
Working with more than 25 top-rated auto insurance providers, our average client saves 40% on their car insurance premiums. We understand that each client’s needs are different, and we work hard to tailor your coverage to these needs. This allows you the protection you deserve all while saving money.
Our agents can also bundle your home insurance coverage with your auto insurance to provide maximum savings. Get your free auto insurance quote or contact us today to find the right comprehensive insurance for your needs.
