Need low cost Comprehensive coverage in Gadsden? Come to your nearby 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." Let's say your car is stolen, vandalized, 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 car, truck, or motorcycle 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 is completely up to you. Generally speaking, the higher the deductible you choose, the lower your premium for Comprehensive coverage will be.
Keep in mind that Comprehensive coverage doesn't cover any and all damages to your car. That's why Comprehensive coverage is almost always paired with Collision, which also has a deductible. Collision helps pay for your vehicle to be repaired after it hits another object, like a tree, light post, or guardrail. Or, it flips in an accident or is hit by a "hit and run" driver. Together, Comprehensive and Collision are often referred to as "full coverage."
Do all drivers need Comprehensive coverage in Gadsden? Alabama insurance law doesn't mandate it, but you might be required to carry Comprehensive insurance if your vehicle is financed or leased. If you choose not to purchase Comprehensive, your lender may purchase it for you and add it to your loan balance. This route can carry a higher price tag than if you bought Comprehensive car insurance on your own. No car loan? You can choose whether or not you buy Comprehensive coverage! 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 thought worries you, getting Comprehensive insurance and a manageable deductible might be worth it.
At Direct Auto & Life Insurance in Gadsden, Comprehensive car insurance is easy and affordable to get. We have the on-the-road protection you want, plus the great services you deserve. With us, there's no need to cut back on important coverages to try and save a buck. We help you determine the right insurance policy for your needs and find every discount you're eligible for. That's our promise! Next, you have the freedom to make your car insurance even more affordable by customizing your payment schedule and choosing how you want to pay. Whether it's by cash, credit card, or check, making policy payments and maintaining Comprehensive coverage in Gadsden is easy with Direct Auto & Life Insurance! Call 1-877-GO-DIRECT (1-877-463-4732) or stop by your nearest location to learn more about Comprehensive coverage today!