Looking for cheap Comprehensive car insurance in Holly Springs? Come to your nearby Direct Auto & Life Insurance. Comprehensive coverage isn't required by Mississippi law, but it can definitely come in handy if you have trouble on the road. 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 damaged by a natural disaster, stolen, vandalized, or damaged by contact with an animal. How hard would it be for you to pay to get it repaired or replaced? 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 is a deductible? A deductible is the amount of money you have to pay toward repairs before your insurance covers the rest. 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, going with a high deductible is a good way to lower your premium for Comprehensive coverage.
Remember that Comprehensive insurance won't pay for all types of damages to your vehicle. That's why Comprehensive coverage goes hand-in-hand with Collision, which has a deductible as well. Collision pays for car repairs after your vehicle hits another object, like a guardrail, tree, or street light. Or if it flips in an accident! Together, Comprehensive and Collision are often labeled "full coverage."
Who needs Comprehensive coverage in Holly Springs? It isn't required by Mississippi insurance law, but you might be required to carry Comprehensive insurance if you're leasing or financing your car. If you don't buy Comprehensive, your lender might buy it for you and add it to your existing loan balance. 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? You can choose whether or not you buy Comprehensive coverage! 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 thought gives you instant anxiety, getting Comprehensive insurance and a convenient deductible could prove valuable.
At Direct Auto & Life Insurance in Holly Springs, Comprehensive 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, there's no need to cut back on important coverages to try and save a buck. We help you identify the best policy for your needs and find every discount you're eligible for. That's our promise! Next, 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 Holly Springs is simple 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!