Searching for affordable Comprehensive car insurance in Selma? Look no further than your nearest 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." Say your vehicle is vandalized, stolen, 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 motorcycle, truck, or car to be repaired or replaced.
What is a deductible? A deductible is the amount of money you have to pay toward repairs before your insurance covers the rest. Deductibles vary by state and insurance company, but generally range from $100 to $1,500. Your Comprehensive deductible amount is your choice. 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. That's why Comprehensive coverage goes hand-in-hand with Collision, which has a deductible as well. 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. Collectively, Collision and Comprehensive are often called "full coverage."
Do all drivers need Comprehensive coverage in Selma? It isn't required by Alabama insurance law, but you might be required to carry Comprehensive insurance if your car is leased or financed. If you decide not to get Comprehensive, your lender might buy it for you and add it to your existing loan balance. This route 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 idea troubles you, saying yes to Comprehensive coverage and a convenient deductible could prove valuable.
At Direct Auto & Life Insurance in Selma, Comprehensive insurance is easy to understand and affordable to get. We offer the protection you want, plus the quality services you deserve. With us, you don't have to skip out on important coverages to try and make your insurance cheaper. We'll help you put together the right insurance policy for your needs and identify every discount you're entitled to. We 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, paying for Comprehensive insurance in Selma is hassle-free 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!