Searching for low cost Comprehensive coverage in Van Buren? Look no further than 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." Say 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. After you meet your deductible, Comprehensive insurance will pay for your motorcycle, truck, or car 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. The Comprehensive deductible you choose is up to you. Usually, the higher the deductible you choose, the lower your premium for Comprehensive coverage will be.
Note that Comprehensive insurance only covers some types of vehicle damage. 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 tree, light post, or guardrail. Or if it's hit by a "hit and run" driver! Collectively, Comprehensive and Collision are often labeled "full coverage."
Who needs Comprehensive coverage in Van Buren? It isn't required by Arkansas insurance law, but you may be required to carry Comprehensive coverage 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 pricier than if you buy Comprehensive coverage on your own. No car loan? Buying Comprehensive coverage is up to you! 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 convenient deductible could prove valuable.
Here at Direct Auto & Life Insurance in Van Buren, Comprehensive coverage is affordable to get and easy to understand. We offer the protection you want, plus the quality services you deserve. With us, you don't have to skip out on important coverages to try and make your insurance cheaper. We help you identify the best policy for your needs and find ALL the discounts you're entitled to. It's a promise. From there, you have the freedom to make your car insurance even more affordable by customizing the time and way you pay. It doesn't matter if you pay cash in-person or pay with a credit card, paying for Comprehensive insurance in Van Buren 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!