Need affordable Comprehensive car insurance in Springdale? Look no further than 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 pay for car repairs that result from an event other than a collision, which is why it's often called, "Other than Collision Coverage." Imagine that your car is damaged by a natural disaster, stolen, vandalized, or damaged by contact with an animal. Would you have enough money to get it fixed or to buy yourself a new one? You don't have to worry when you have Comprehensive car insurance. Meet your deductible and then your Comprehensive coverage will kick in to help pay for your motorcycle, truck, or car 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.
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! When combined, Comprehensive and Collision are often referred to as "full coverage."
Do I need Comprehensive coverage in Springdale? 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 decide not to get Comprehensive, your lender may buy it for you and tack it on to your loan. This way can carry a higher price tag than if you bought Comprehensive car insurance on your own. What if you don't have a loan on your vehicle? Buying Comprehensive coverage is up to you! 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, getting Comprehensive coverage and a workable deductible may be worthwhile.
Here at Direct Auto & Life Insurance in Springdale, Comprehensive coverage is affordable to get and easy to understand. We offer the protection you want, plus the excellent customer service you deserve! With us, you don't have to skip out on important coverages to try and make your insurance cheaper. 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 how and when you pay. Whether it's by cash, credit card, or check, paying for Comprehensive insurance in Springdale 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!