Need affordable Comprehensive car insurance in Athens? Look no further than your local Direct Auto & Life Insurance. Comprehensive coverage isn't required by Georgia 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. 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’s a deductible? A deductible is the amount of money you would pay out-of-pocket, up front for the damage to your vehicle. Standard deductibles are between $100 and $1,500, though they vary by insurance company and state. Your Comprehensive deductible amount is your choice. In general, going with a high deductible is a good way to lower your premium for Comprehensive coverage.
Keep in mind that Comprehensive insurance only covers some types of vehicle damage. 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 tree, light post, or guardrail. Or if it's hit by a "hit and run" driver! Together, Comprehensive and Collision are often referred to as "full coverage."
Who needs Comprehensive coverage in Athens? It isn't required by Georgia insurance law, but you might be required to carry Comprehensive insurance if your car is leased or financed. If you choose not to purchase Comprehensive, your lender may purchase it for you and add it to your loan balance. This route 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 worries you, getting Comprehensive coverage and a manageable deductible might be worth it.
At Direct Auto & Life Insurance in Athens, Comprehensive car insurance is affordable to get and easy to understand. We have the on-the-road protection you want, 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 help you determine the best insurance for your needs and identify every discount you're entitled to. We promise! After that, you have the opportunity to take your auto insurance to a whole new level of affordability 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, staying on top of policy payments and your Comprehensive coverage in Athens is simple 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!