Looking for affordable Comprehensive car insurance in Brookhaven? Look no further than your local Direct Auto & Life Insurance. While Mississippi 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." Say your car is damaged by a natural disaster, stolen, vandalized, or damaged by contact with an animal. Would it be difficult for you to pay for the repairs or buy yourself a new car? 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 truck, car, or motorcycle 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. Generally speaking, 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 goes hand-in-hand with Collision, which has a deductible as well. Collision helps pay for your vehicle to be repaired after it hits another object, like a stop sign, tree, or guardrail. 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 I need Comprehensive coverage in Brookhaven? Mississippi insurance law doesn't mandate it, but you might be required to carry Comprehensive insurance if you're leasing or financing your car. If you choose not to purchase Comprehensive, your lender might buy it for you and add it to your existing loan balance. This path can be more expensive than if you purchase Comprehensive 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 idea troubles you, saying yes to Comprehensive coverage and a convenient deductible could prove valuable.
Here at Direct Auto & Life Insurance in Brookhaven, Comprehensive coverage is easy to understand and affordable to get. We offer the protection you want, plus the excellent customer service you deserve! There's no need to pass up essential coverage to try and save money. We help you determine the best insurance for your needs and identify every discount you're entitled to. We promise! Next, 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, paying for Comprehensive insurance in Brookhaven 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!