Searching for cheap Comprehensive car insurance in Bonita Springs? Look no further than your local Direct Auto & Life Insurance. Comprehensive coverage isn't required by Florida law, but it can definitely come in handy if you have trouble on the road. 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." Let's say your car is stolen, vandalized, 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? No need to worry when you have Comprehensive coverage. After you meet your deductible, Comprehensive insurance will pay for your car, truck, or motorcycle to be repaired or replaced.
What is a deductible? A deductible is the amount of money you have to pay toward repairs before your insurance covers the rest. 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.
Remember that Comprehensive coverage doesn't cover any and all damages to your car. Comprehensive coverage is almost always purchased alongside Collision for this very reason. It also carries a deductible. 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 labeled "full coverage."
Who needs Comprehensive coverage in Bonita Springs? It's not mandated by Florida insurance law, but you may be required to carry Comprehensive coverage if your vehicle is financed or leased. If you choose not to purchase 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? 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 thought worries you, getting Comprehensive coverage and a manageable deductible might be worth it.
At Direct Auto & Life Insurance in Bonita Springs, Comprehensive car insurance is affordable to get and easy to understand. We have the on-the-road protection you want, plus the quality services you deserve. With us, there's no need to cut back on important coverages to try and save a buck. We'll help you put together 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 how and when you pay. Whether it's by cash, credit card, or check, staying on top of policy payments and your Comprehensive coverage in Bonita Springs is simple 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!