Looking for cheap Comprehensive car insurance in Apopka? Head towards your nearest Direct Auto & Life Insurance. Comprehensive coverage may not be required by Florida law, but it can be extremely helpful if you run into trouble while driving. 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. 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. The Comprehensive deductible you choose is up to you. Generally speaking, the higher the deductible you choose, the lower your premium for Comprehensive coverage will be.
Note that Comprehensive insurance won't pay for all types of damages to your vehicle. That's why Comprehensive coverage is almost always paired with Collision, which also has 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, Comprehensive and Collision are often referred to as "full coverage."
Who needs Comprehensive coverage in Apopka? It's not mandated 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 might buy it for you and add it to your existing loan balance. This way can be more expensive than if you purchase Comprehensive insurance on your own. What if your vehicle isn't financed or leased? 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 gives you instant anxiety, saying yes to Comprehensive coverage and a convenient deductible could prove valuable.
Here at Direct Auto & Life Insurance in Apopka, Comprehensive coverage is affordable to get and easy to understand. 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 ALL the discounts you're entitled to. It's a promise. Next, you have the freedom to make your car insurance even more affordable by customizing the time and way you pay. Whether you pay by credit card, check, or cash, making policy payments and maintaining Comprehensive coverage in Apopka is easy 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!