Comprehensive Coverage

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Looking for cheap Comprehensive car insurance in Mobile? Look no further than 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 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. Would it be difficult for you to pay for the repairs or buy yourself a new car? You don't have to worry when you have Comprehensive car insurance. 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. Typical deductibles range from $100 to $1,500, but they vary by state and insurance company. The Comprehensive deductible you choose is up to you. Generally speaking, the higher the deductible, the lower the premium for Comprehensive.

Remember 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's hit by a "hit and run" driver! Collectively, Comprehensive and Collision are often referred to as "full coverage."

Do I need Comprehensive coverage in Mobile? Alabama insurance law doesn't mandate it, 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 decide not to get Comprehensive, your lender might buy it for you and add it to your existing 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? 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 worries you, getting Comprehensive insurance and a convenient deductible could prove valuable.

At Direct Auto & Life Insurance in Mobile, Comprehensive car insurance is easy and affordable to get. We offer the solid protection you need, plus the excellent customer service you deserve! With us, there's no need to cut back on important coverages to try and save a buck. We help you identify the best insurance for your needs and find every discount you're eligible for. That's our promise! After that, 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, paying for Comprehensive insurance in Mobile is hassle-free 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!

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