Searching for affordable Comprehensive car insurance in Huntsville? Look no further than your nearest Direct Auto & Life Insurance. Comprehensive coverage may not be required by Alabama law, but it can be extremely helpful if you run into trouble while driving. 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 vehicle is vandalized, stolen, 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. Once you meet your deductible, Comprehensive coverage will help pay for your truck, car, 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. Standard deductibles are between $100 and $1,500, though they vary by insurance company and state. The Comprehensive deductible you choose is up to you. Usually, going with a high deductible is a good way to lower your premium for Comprehensive coverage.
Keep in mind that Comprehensive coverage doesn't cover any and all damages to your car. Comprehensive coverage is almost always purchased alongside Collision for this very reason. It also carries a deductible. Collision pays for car repairs after your vehicle hits another object, like a tree, light post, or guardrail. Or if it flips in an accident! Together, Comprehensive and Collision are often referred to as "full coverage."
Who needs Comprehensive coverage in Huntsville? Alabama insurance law doesn't mandate it, 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 might buy it for you and add it to your existing loan balance. This way can be pricier than if you buy Comprehensive coverage 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, give some thought to the age of your vehicle. How much is it worth? Would you be comfortable paying for it to be replaced or repaired on your own? If that thought gives you instant anxiety, getting Comprehensive coverage and a convenient deductible could prove valuable.
At Direct Auto & Life Insurance in Huntsville, 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 help you determine the best insurance for your needs and find ALL the discounts you're entitled to. It's a promise. From there, you have the opportunity to take your auto insurance to a whole new level of affordability by customizing your payment schedule and choosing how you want to pay. Whether it's by cash, credit card, or check, staying on top of policy payments and your Comprehensive coverage in Huntsville is simple 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!