Searching for affordable Comprehensive car insurance in Warner Robins? Look no further than your local Direct Auto & Life Insurance. While Georgia law does not require drivers to have Comprehensive coverage, it can still be beneficial to have. It helps cover vehicle repairs that result from something other than a collision. That's why it is often referred to 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 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’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.
Remember 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 pays for car repairs after your vehicle hits another object, like a tree, light post, or guardrail. Or if it flips in an accident! Together, Collision and Comprehensive are often called "full coverage."
Do I need Comprehensive coverage in Warner Robins? It isn't required by Georgia insurance law, but you may be required to carry Comprehensive coverage if your car is leased or financed. If you don't buy Comprehensive, your lender may buy it for you and tack it on to your loan. This route can be pricier than if you buy Comprehensive coverage 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 idea troubles you, saying yes to Comprehensive coverage and a workable deductible may be worthwhile.
At Direct Auto & Life Insurance in Warner Robins, Comprehensive car insurance is affordable to get and easy to understand. We offer the 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 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 how and when you 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 Warner Robins is simple 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!