Searching for cheap Comprehensive car insurance in Philadelphia? Come to your nearby 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 vehicle is vandalized, stolen, 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? No need to worry when you have Comprehensive coverage. 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 is completely up to you. Usually, going with a high deductible is a good way to lower your premium for Comprehensive coverage.
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's hit by a "hit and run" driver! Collectively, Comprehensive and Collision are often referred to as "full coverage."
Do all drivers need Comprehensive coverage in Philadelphia? Mississippi insurance law doesn't mandate it, but you may be required to carry Comprehensive coverage [marketing-content-p4-3] but you could be required to have Comprehensive insurance if your vehicle is financed or leased. If you choose not to purchase Comprehensive, your lender may purchase it for you and add it to your loan balance. This way can be pricier than if you buy Comprehensive coverage on your own. No car loan? Then getting Comprehensive coverage is your choice! 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 manageable deductible might be worth it.
Here at Direct Auto & Life Insurance in Philadelphia, Comprehensive coverage is easy to understand and affordable to get. We have the on-the-road 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'll help you put together the best policy for your needs and identify every discount you're entitled to. We promise! Next, you have the opportunity to take your auto insurance to a whole new level of affordability by customizing how and when you pay. Whether you pay by credit card, check, or cash, staying on top of policy payments and your Comprehensive coverage in Philadelphia 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!