Searching for low cost Comprehensive coverage in Athens? Head towards your nearby Direct Auto & Life Insurance. While Alabama law does not require drivers to have Comprehensive coverage, it can still be beneficial to have. It helps cover vehicle repairs that result from something other than a collision. That's why it is often referred to as, "Other than Collision Coverage." Imagine that your vehicle is vandalized, stolen, damaged by a natural disaster, or damaged by contact with an animal. How hard would it be for you to pay to get it repaired or replaced? No need to worry when you have Comprehensive coverage. Once you meet your deductible, Comprehensive coverage will help 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. The Comprehensive deductible you choose is up to you. In general, the higher the deductible, the lower the premium for Comprehensive.
Keep in mind that Comprehensive insurance won't pay for all types of damages to your vehicle. That's why Comprehensive coverage goes hand-in-hand with Collision, which has a deductible as well. 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. Collectively, Collision and Comprehensive are often called "full coverage."
Do all drivers need Comprehensive coverage in Athens? 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 your car is leased or financed. If you choose not to purchase 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 you don't have a loan on your vehicle? Buying Comprehensive coverage is up to you! 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 thought gives you instant anxiety, saying yes to Comprehensive coverage and a manageable deductible might be worth it.
Here at Direct Auto & Life Insurance in Athens, Comprehensive coverage is easy and affordable to get. We offer the solid protection you need, plus the excellent customer service you deserve! There's no need to pass up essential coverage to try and save money. We help you identify the best policy for your needs and identify every discount you're entitled to. We promise! From there, you can make your car insurance feel even more affordable (and manageable) by customizing the time and way you pay. Whether it's by cash, credit card, or check, paying for Comprehensive insurance in Athens is hassle-free with Direct Auto & Life Insurance! Visit your nearby office or call 1-877-GO-DIRECT (1-877-463-4732) to get all the facts on Comprehensive insurance coverage today!