Searching for low cost Comprehensive coverage in Prattville? 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." Imagine that 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? There's no need to worry when you have Comprehensive insurance. Once you meet your deductible, Comprehensive coverage will help pay for your motorcycle, truck, or car 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. In general, 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. 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 guardrail, tree, or street light. Or if it's hit by a "hit and run" driver! When combined, Comprehensive and Collision are often referred to as "full coverage."
Do all drivers need Comprehensive coverage in Prattville? It isn't required by Alabama insurance law, but you could be required to have Comprehensive insurance if your vehicle is financed or leased. If you don't buy Comprehensive, your lender may buy it for you and tack it on to your loan. This path can be pricier than if you buy Comprehensive coverage 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 workable deductible may be worthwhile.
At Direct Auto & Life Insurance in Prattville, Comprehensive car insurance is easy to understand and affordable to get. We offer the solid protection you need, plus the great services you deserve. With us, you don't have to skip out on important coverages to try and make your insurance cheaper. We help you identify the right insurance policy for your needs and identify every discount you're entitled to. We promise! After that, 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, making policy payments and maintaining Comprehensive coverage in Prattville 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!