Direct Locations Near You

Get Your Quote

Need low cost Comprehensive coverage in Greenwood? Head towards your nearest 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." Let's say 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? There's no need to worry when you have Comprehensive 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 the definition of a deductible? A car insurance deductible is what you pay to repair your car if you have an accident or claim. Standard deductibles are between $100 and $1,500, though they vary by insurance company and state. The Comprehensive deductible you choose is up to you. Generally speaking, the higher the deductible you choose, the lower your premium for Comprehensive coverage will be.

Remember that Comprehensive coverage doesn't cover any and all damages to your car. That's why Comprehensive coverage is almost always paired with Collision, which also has a deductible. Collision helps pay for vehicle repairs after your car hits another object, like a stop sign, tree, or guardrail. Or if it's hit by a "hit and run" driver! Collectively, Comprehensive and Collision are often labeled "full coverage."

Who needs Comprehensive coverage in Greenwood? It isn't required by Mississippi insurance law, but you could be required to have 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 path can carry a higher price tag than if you bought Comprehensive car insurance on your own. No car loan? Then getting Comprehensive coverage is your choice! Before going without it, give some thought to the age of your vehicle. How much is it worth? Would you be comfortable paying for it to be replaced or repaired on your own? If that idea troubles you, saying yes to Comprehensive coverage and a manageable deductible might be worth it.

At Direct Auto & Life Insurance in Greenwood, Comprehensive car insurance is easy to understand and affordable to get. We offer the solid protection you need, 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 identify the best insurance for your needs and find ALL the discounts you're entitled to. It's a promise. Next, you have the freedom to make your car insurance even more affordable by customizing how and when you pay. Whether it's by cash, credit card, or check, making policy payments and maintaining Comprehensive coverage in Greenwood is easy with Direct Auto & Life Insurance! Visit your nearby office or call 1-877-GO-DIRECT (1-877-463-4732) to get all the facts on Comprehensive insurance coverage today!

Get Your Quote

Mississippi is changing the consequences for driving uninsured. Mississippi drivers who are caught without proof of insurance could have to pay a fine of up to $500 or face a driver’s license suspension for up to one year. Effective September 1, 2017, Mississippi began using a statewide electronic insurance verification program that uses a car's VIN number to find out whether the driver has purchased valid auto insurance or not.