Looking for cheap Comprehensive car insurance in North Miami? Look no further than your nearby 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." 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? You don't have to worry when you have Comprehensive car 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. Deductibles vary by state and insurance company, but generally range from $100 to $1,500. The Comprehensive deductible you choose is up to you. In general, the higher the deductible you choose, the lower your premium for Comprehensive coverage will be.
Note 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 tree, light post, or guardrail. Or if it's hit by a "hit and run" driver! Collectively, Comprehensive and Collision are often referred to as "full coverage."
Do I need Comprehensive coverage in North Miami? Florida insurance law doesn't mandate it, but you may be required to carry Comprehensive coverage [marketing-content-p4-3] but you could be required to have Comprehensive insurance if your vehicle is financed or leased. If you don't buy Comprehensive, your lender might buy it for you and add it to your existing loan balance. 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? Then getting Comprehensive coverage is your choice! 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 idea troubles you, getting Comprehensive coverage and a workable deductible may be worthwhile.
At Direct Auto & Life Insurance in North Miami, Comprehensive insurance is easy and affordable to get. 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 policy for your needs and find every discount you're eligible for. That's our promise! From there, you have the freedom to make your car insurance even more affordable by customizing the time and way 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 North Miami 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!