Looking for cheap Comprehensive car insurance in North Little Rock? Look no further than your nearby Direct Auto & Life Insurance. Comprehensive coverage isn't required by Arkansas law, but it can definitely come in handy if you have trouble on the road. 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 stolen, vandalized, damaged by a natural disaster, or damaged by contact with an animal. Would you have enough money to get it fixed or to buy yourself a new one? There's no need to worry when you have Comprehensive insurance. Meet your deductible and then your Comprehensive coverage will kick in to help pay for your truck, car, or motorcycle 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. Typical deductibles range from $100 to $1,500, but they vary by state and insurance company. Your Comprehensive deductible is completely up to you. Usually, the higher the deductible you choose, the lower your premium for Comprehensive coverage will be.
Remember that Comprehensive insurance won't pay for all types of damages to your vehicle. That's why Comprehensive coverage goes hand-in-hand with Collision, which has a deductible as well. Collision helps pay for vehicle repairs after your car hits another object, like a guardrail, tree, or street light. Or, it flips in an accident or is hit by a "hit and run" driver. Together, Collision and Comprehensive are often called "full coverage."
Do all drivers need Comprehensive coverage in North Little Rock? It's not mandated by Arkansas insurance law, but you might be required to carry Comprehensive insurance if your car is leased or financed. If you choose not to purchase Comprehensive, your lender might buy it for you and add it to your existing loan balance. This route can be more expensive than if you purchase Comprehensive insurance on your own. What if your vehicle isn't financed or leased? Buying Comprehensive coverage is up to you! 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, saying yes to Comprehensive coverage and a convenient deductible could prove valuable.
At Direct Auto & Life Insurance in North Little Rock, Comprehensive car insurance is affordable to get and easy to understand. We offer the solid protection you need, plus the excellent customer service you deserve! There's no need to pass up essential coverage to try and save money. We help you identify the best policy for your needs and find every discount you're eligible for. That's our promise! From there, you have the freedom to make your car insurance even more affordable by customizing how and when you pay. Whether you pay by credit card, check, or cash, paying for Comprehensive insurance in North Little Rock is hassle-free with Direct Auto & Life Insurance! Visit your nearby office or call 1-877-GO-DIRECT (1-877-463-4732) to get all the facts on Comprehensive insurance coverage today!