Searching for cheap Comprehensive car insurance in Russellville? Come to 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." Let's say your vehicle is vandalized, stolen, 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. Once you meet your deductible, Comprehensive coverage will help pay for your truck, car, 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. The Comprehensive deductible you choose is up to you. Generally speaking, going with a high deductible is a good way to lower your premium for Comprehensive coverage.
Keep in mind that Comprehensive insurance only covers some types of vehicle damage. Comprehensive coverage is almost always purchased alongside Collision for this very reason. It also carries a deductible. Collision helps pay for vehicle repairs after your car hits another object, like a stop sign, tree, or guardrail. Or if it flips in an accident! Collectively, Collision and Comprehensive are often called "full coverage."
Who needs Comprehensive coverage in Russellville? It's not mandated by Arkansas insurance law, but you may be required to carry Comprehensive coverage if your car is leased or financed. If you don't buy Comprehensive, your lender may buy it for you and tack it on to your loan. This path can be pricier than if you buy Comprehensive coverage on your own. What if your vehicle isn't financed or leased? You can choose whether or not you buy Comprehensive coverage! 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 manageable deductible might be worth it.
At Direct Auto & Life Insurance in Russellville, Comprehensive insurance is affordable to get and easy to understand. We offer the solid protection you need, plus the great services you deserve. There's no need to pass up essential coverage to try and save money. We help you determine the best policy for your needs and find ALL the discounts you're entitled to. It's a promise. Next, you have the opportunity to take your auto insurance to a whole new level of affordability by customizing your payment schedule and choosing how you want to pay. It doesn't matter if you pay cash in-person or pay with a credit card, staying on top of policy payments and your Comprehensive coverage in Russellville is simple 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!