Need low cost Comprehensive coverage in Brandon? Head towards your nearest 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 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." Let's 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? There's no need to worry when you have Comprehensive 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 is a deductible? A deductible is the amount of money you have to pay toward repairs before your insurance covers the rest. 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.
Remember that Comprehensive insurance only covers some types of vehicle damage. That's why Comprehensive coverage is almost always paired with Collision, which also has a deductible. Collision pays for car repairs after your vehicle hits another object, like a stop sign, tree, or guardrail. Or, it flips in an accident or is hit by a "hit and run" driver. When combined, Collision and Comprehensive are often called "full coverage."
Do I need Comprehensive coverage in Brandon? Florida insurance law doesn't mandate it, but you could be required to have Comprehensive insurance if you're leasing or financing your car. If you don't buy Comprehensive, your lender might buy it for you and add it to your existing loan balance. This route can carry a higher price tag than if you bought Comprehensive car insurance on your own. No car loan? 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 worries you, getting Comprehensive insurance and a manageable deductible might be worth it.
Here at Direct Auto & Life Insurance in Brandon, Comprehensive coverage is affordable to get and easy to understand. We offer the solid protection you need, 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'll help you put together 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 how and when you pay. It doesn't matter if you pay cash in-person or pay with a credit card, making policy payments and maintaining Comprehensive coverage in Brandon is easy 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!