Looking for low cost Comprehensive coverage in Anniston? Look no further than your nearest Direct Auto & Life Insurance. Comprehensive coverage isn't required by Alabama law, but it can definitely come in handy if you have trouble on the road. It will help pay for auto repairs that resulted from an event other than a collision. That's why you might hear your insurance agent refer to it as, "Other than Collision Coverage." Say your car is stolen, vandalized, 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. Meet your deductible and then your Comprehensive coverage will kick in to help pay for your motorcycle, truck, or car to be repaired or replaced.
What’s a deductible? A deductible is the amount of money you would pay out-of-pocket, up front for the damage to your vehicle. Deductibles vary by state and insurance company, but generally range from $100 to $1,500. Your Comprehensive deductible amount is your choice. In general, the higher the deductible you choose, the lower your premium for Comprehensive coverage will be.
Note that Comprehensive insurance only covers some types of vehicle damage. That's why Comprehensive coverage is almost always paired with Collision, which also has a deductible. Collision pays for car repairs after your vehicle hits another object, like a guardrail, tree, or street light. Or if it's hit by a "hit and run" driver! Collectively, Comprehensive and Collision are often labeled "full coverage."
Who needs Comprehensive coverage in Anniston? It isn't required by Alabama insurance law, but you may be required to carry Comprehensive coverage [marketing-content-p4-3] but you could be required to have Comprehensive insurance if you're leasing or financing your car. If you don't buy Comprehensive, your lender may purchase it for you and add it to your loan balance. This path can be pricier than if you buy Comprehensive coverage on your own. What if your vehicle isn't financed or leased? Then getting Comprehensive coverage is your choice! Before rejecting it, give some thought to the age of your car and whether you'd be able to pay for repairs or replacement out of your own pocket. If that idea troubles you, getting Comprehensive insurance and a convenient deductible could prove valuable.
At Direct Auto & Life Insurance in Anniston, Comprehensive insurance 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 right insurance policy for your needs and find ALL the discounts you're entitled to. It's a promise. From there, you have the freedom to make your car insurance even more affordable by customizing how and when you pay. Whether it's by cash, credit card, or check, making policy payments and maintaining Comprehensive coverage in Anniston is easy with Direct Auto & Life Insurance! Stop by your neighborhood location or call 1-877-GO-DIRECT (1-877-463-4732) to learn more about Comprehensive coverage!