Looking for cheap Comprehensive car insurance in Tuscaloosa? Head towards 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 pay for car repairs that result from an event other than a collision, which is why it's often called, "Other than Collision Coverage." Let's say your car is damaged by a natural disaster, stolen, vandalized, or damaged by contact with an animal. How hard would it be for you to pay to get it repaired or replaced? You don't have to worry when you have Comprehensive car insurance. 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. Typical deductibles range from $100 to $1,500, but they vary by state and insurance company. Your Comprehensive deductible amount is your choice. Usually, going with a high deductible is a good way to lower your premium for Comprehensive coverage.
Remember 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 pays for car repairs after your vehicle hits another object, like a stop sign, tree, or guardrail. Or if it's hit by a "hit and run" driver! Together, Comprehensive and Collision are often referred to as "full coverage."
Do I need Comprehensive coverage in Tuscaloosa? Alabama insurance law doesn't mandate it, but you might be required to carry Comprehensive insurance if you're leasing or financing your car. If you choose not to purchase Comprehensive, your lender might buy it for you and add it to your existing loan balance. This path can be more expensive than if you purchase Comprehensive insurance on your own. What if your vehicle isn't financed or leased? Then getting Comprehensive coverage is your choice! 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, getting Comprehensive coverage and a manageable deductible might be worth it.
Here at Direct Auto & Life Insurance in Tuscaloosa, Comprehensive coverage is easy and affordable to get. We offer the 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 best 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 how and when you pay. Whether it's by cash, credit card, or check, paying for Comprehensive insurance in Tuscaloosa 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!