Searching for affordable Comprehensive car insurance in Milledgeville? Head towards your nearby 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 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." Imagine that your car is stolen, vandalized, damaged by a natural disaster, 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. Once you meet your deductible, Comprehensive coverage will 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. Deductibles vary by state and insurance company, but generally range from $100 to $1,500. Your Comprehensive deductible is completely up to you. Usually, the higher the deductible, the lower the premium for Comprehensive.
Note 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 helps pay for your vehicle to be repaired after it hits another object, like a stop sign, tree, or guardrail. Or if it flips in an accident! Collectively, Collision and Comprehensive are often called "full coverage."
Do all drivers need Comprehensive coverage in Milledgeville? Georgia insurance law doesn't mandate it, but you might be required to carry Comprehensive insurance if your vehicle is financed or leased. If you decide not to get Comprehensive, your lender may buy it for you and tack it on to your loan. This path can be pricier than if you buy Comprehensive coverage on your own. What if you don't have a loan on your vehicle? Then getting Comprehensive coverage is your choice! 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 thought worries you, getting Comprehensive insurance and a workable deductible may be worthwhile.
At Direct Auto & Life Insurance in Milledgeville, Comprehensive car insurance is easy to understand and affordable to get. We have the on-the-road protection you want, plus the great services 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 right insurance policy for your needs and find every discount you're eligible for. That's our promise! From there, you can make your car insurance feel even more affordable (and manageable) 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 Milledgeville is easy 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!