Need cheap Comprehensive car insurance in Fort Pierce? 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 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." Imagine that your car is damaged by a natural disaster, stolen, vandalized, or damaged by contact with an animal. Would it be difficult for you to pay for the repairs or buy yourself a new car? No need to worry when you have Comprehensive coverage. Meet your deductible and then your Comprehensive coverage will kick in to help pay for your truck, car, 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. Deductibles vary by state and insurance company, but generally range from $100 to $1,500. The Comprehensive deductible you choose is up to you. Usually, the higher the deductible, the lower the premium for Comprehensive.
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 all drivers need Comprehensive coverage in Fort Pierce? It isn't required by Florida insurance law, but you may be required to carry Comprehensive coverage if you're leasing or financing your car. If you don't buy Comprehensive, your lender may purchase it for you and add it to your loan balance. This way can carry a higher price tag than if you bought Comprehensive car insurance on your own. What if your vehicle isn't financed or leased? 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 coverage and a workable deductible may be worthwhile.
Here at Direct Auto & Life Insurance in Fort Pierce, Comprehensive coverage is easy to understand and affordable to get. We have the on-the-road protection you want, plus the excellent customer service you deserve! There's no need to pass up essential coverage to try and save money. We'll help you put together the right insurance policy for your needs and find ALL the discounts you're entitled to. It's a promise. From there, you can make your car insurance feel even more affordable (and manageable) 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 Fort Pierce 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!