Looking for cheap Comprehensive car insurance in Athens? Head towards your local Direct Auto & Life Insurance. While Alabama 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." Say your car is stolen, vandalized, damaged by a natural disaster, or damaged by contact with an animal. Would it be difficult for you to pay for the repairs or buy yourself a new car? No need to worry when you have Comprehensive coverage. After you meet your deductible, Comprehensive insurance will pay for your truck, car, or motorcycle to be repaired or replaced.
What’s the definition of a deductible? A car insurance deductible is what you pay to repair your car if you have an accident or claim. Deductibles vary by state and insurance company, but generally range from $100 to $1,500. Your Comprehensive deductible amount is your choice. Generally speaking, going with a high deductible is a good way to lower your premium for Comprehensive coverage.
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 stop sign, tree, or guardrail. Or if it's hit by a "hit and run" driver! When combined, Comprehensive and Collision are often labeled "full coverage."
Do all drivers need Comprehensive coverage in Athens? It isn't required by Alabama insurance law, but you could be required to have Comprehensive insurance if you're leasing or financing your car. 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. What if your vehicle isn't financed or leased? 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.
At Direct Auto & Life Insurance in Athens, Comprehensive car insurance is easy to understand and affordable to get. We have the on-the-road protection you want, plus the quality services you deserve. There's no need to pass up essential coverage to try and save money. We help you identify the right insurance policy for your needs and identify every discount you're entitled to. We promise! Next, you have the opportunity to take your auto insurance to a whole new level of affordability by customizing the time and way you 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 Athens 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!