Searching for cheap Comprehensive car insurance in Palm Harbor? Look no further than your local 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 stolen, vandalized, damaged by a natural disaster, or damaged by contact with an animal. How hard would it be for you to pay to get it repaired or replaced? No need to worry when you have Comprehensive coverage. Once you meet your deductible, Comprehensive coverage will 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. Typical deductibles range from $100 to $1,500, but they vary by state and insurance company. Your Comprehensive deductible is completely up to you. In general, the higher the deductible, the lower the premium for Comprehensive.
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 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. Collectively, Collision and Comprehensive are often called "full coverage."
Do all drivers need Comprehensive coverage in Palm Harbor? It's not mandated by Florida insurance law, but you may be required to carry Comprehensive coverage [marketing-content-p4-3] but you could be required to have Comprehensive insurance if you're leasing or financing your car. If you decide not to get Comprehensive, your lender may purchase it for you and add it to your 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? 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 gives you instant anxiety, getting Comprehensive insurance and a manageable deductible might be worth it.
Here at Direct Auto & Life Insurance in Palm Harbor, Comprehensive coverage is easy to understand and affordable to get. We offer the solid protection you need, 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 every discount you're eligible for. That's our promise! After that, you can make your car insurance feel even more affordable (and manageable) by customizing your payment schedule and choosing how you want to pay. It doesn't matter if you pay cash in-person or pay with a credit card, paying for Comprehensive insurance in Palm Harbor is hassle-free 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!