Looking for low cost Comprehensive coverage in Pine Bluff? Head towards your nearest 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." Imagine that your vehicle is vandalized, stolen, damaged by a natural disaster, or damaged by contact with an animal. How hard would it be for you to pay to get it repaired or replaced? There's no need to worry when you have Comprehensive insurance. Once you meet your deductible, Comprehensive coverage will help pay for your car, truck, or motorcycle 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. Generally speaking, going with a high deductible is a good way to lower your premium for Comprehensive coverage.
Remember that Comprehensive insurance won't pay for all types of damages to your vehicle. Comprehensive coverage is almost always purchased alongside Collision for this very reason. It also carries a deductible. Collision helps pay for your vehicle to be repaired after it 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. When combined, Collision and Comprehensive are often called "full coverage."
Do I need Comprehensive coverage in Pine Bluff? It isn't required by Arkansas insurance law, but you might be required to carry Comprehensive insurance if your vehicle is financed or leased. 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. No car loan? 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 thought worries you, saying yes to Comprehensive coverage and a workable deductible may be worthwhile.
At Direct Auto & Life Insurance in Pine Bluff, Comprehensive insurance is easy and affordable to get. We offer the solid protection you need, 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'll help you put together the right insurance policy for your needs and identify every discount you're entitled to. We promise! Next, you have the opportunity to take your auto insurance to a whole new level of affordability by customizing how and when you pay. Whether you pay by credit card, check, or cash, staying on top of policy payments and your Comprehensive coverage in Pine Bluff is simple 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!