Looking for cheap Comprehensive car insurance in Wetumpka? 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." Let's 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’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. The Comprehensive deductible you choose is up to you. Usually, the higher the deductible, the lower the premium for Comprehensive.
Note 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 helps pay for your vehicle to be repaired after it hits another object, like a stop sign, tree, or guardrail. Or if it flips in an accident! Together, Comprehensive and Collision are often labeled "full coverage."
Who needs Comprehensive coverage in Wetumpka? It isn't required by Alabama insurance law, but you may be required to carry Comprehensive coverage 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 more expensive than if you purchase Comprehensive insurance on your own. What if your vehicle isn't financed or leased? 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 manageable deductible might be worth it.
At Direct Auto & Life Insurance in Wetumpka, 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 help you identify the right insurance policy for your needs and find ALL the discounts you're entitled to. It's a promise. From there, you can make your car insurance feel even more affordable (and manageable) by customizing the time and way you pay. Whether it's by cash, credit card, or check, making policy payments and maintaining Comprehensive coverage in Wetumpka is easy 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!