Need affordable Comprehensive car insurance in Altamonte Springs? Come to your nearby Direct Auto & Life Insurance. While Florida law does not require drivers to have Comprehensive coverage, it can still be beneficial to have. It will help pay for auto repairs that resulted from an event other than a collision. That's why you might hear your insurance agent refer to it as, "Other than Collision Coverage." Say your vehicle is vandalized, stolen, damaged by a natural disaster, or damaged by contact with an animal. Would it be difficult for you to pay for the repairs or buy yourself a new car? You don't have to worry when you have Comprehensive car insurance. Once you meet your deductible, Comprehensive coverage will help pay for your car, truck, 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. Standard deductibles are between $100 and $1,500, though they vary by insurance company and state. Your Comprehensive deductible is completely up to you. In general, going with a high deductible is a good way to lower your premium for Comprehensive coverage.
Note that Comprehensive coverage doesn't cover any and all damages to your car. That's why Comprehensive coverage is almost always paired with Collision, which also has a deductible. Collision helps pay for vehicle repairs after your car hits another object, like a tree, light post, or guardrail. Or if it flips in an accident! Collectively, Collision and Comprehensive are often called "full coverage."
Who needs Comprehensive coverage in Altamonte Springs? It isn't required by Florida insurance law, but you might be required to carry Comprehensive insurance 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 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? You can choose whether or not you buy Comprehensive coverage! 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 idea troubles you, getting Comprehensive insurance and a convenient deductible could prove valuable.
At Direct Auto & Life Insurance in Altamonte Springs, Comprehensive insurance is easy to understand and affordable to get. We offer the protection you want, 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 help you determine the best insurance for your needs and find every discount you're eligible for. That's our promise! After that, you have the opportunity to take your auto insurance to a whole new level of affordability by customizing the time and way you pay. Whether it's by cash, credit card, or check, making policy payments and maintaining Comprehensive coverage in Altamonte Springs is easy 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!