Need cheap Comprehensive car insurance in Benton? Head towards your local Direct Auto & Life Insurance. While Arkansas 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 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. After you meet your deductible, Comprehensive insurance will 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. Standard deductibles are between $100 and $1,500, though they vary by insurance company and state. Your Comprehensive deductible is completely up to you. In general, the higher the deductible, the lower the premium for Comprehensive.
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 flips in an accident! Together, Collision and Comprehensive are often called "full coverage."
Do all drivers need Comprehensive coverage in Benton? It isn't required by Arkansas insurance law, but you could be required to have Comprehensive insurance if your car is leased or financed. If you don't buy Comprehensive, your lender might buy it for you and add it to your existing loan balance. This path can carry a higher price tag than if you bought Comprehensive car insurance on your own. What if your vehicle isn't financed or leased? Then getting Comprehensive coverage is your choice! 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 idea troubles you, saying yes to Comprehensive coverage and a convenient deductible could prove valuable.
Here at Direct Auto & Life Insurance in Benton, Comprehensive coverage is easy and affordable to get. We offer the protection you want, plus the quality 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 insurance for your needs and find every discount you're eligible for. That's our promise! After that, you can make your car insurance feel even more affordable (and manageable) by customizing how and when you pay. Whether it's by cash, credit card, or check, paying for Comprehensive insurance in Benton 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!