Searching for cheap Comprehensive car insurance in Southaven? Come to your nearby Direct Auto & Life Insurance. Comprehensive coverage may not be required by Mississippi law, but it can be extremely helpful if you run into trouble while driving. It helps pay for car repairs that result from an event other than a collision, which is why it's often called, "Other than Collision Coverage." Say 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. 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.
Keep in mind 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 pays for car repairs after your vehicle hits another object, like a stop sign, tree, or guardrail. Or if it flips in an accident! Together, Collision and Comprehensive are often called "full coverage."
Do all drivers need Comprehensive coverage in Southaven? Mississippi insurance law doesn't mandate it, but you might be required to carry Comprehensive insurance if your car is leased or financed. 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 your vehicle isn't financed or leased? You can choose whether or not you buy Comprehensive coverage! Before rejecting it, give some thought to the age of your car and whether you'd be able to pay for repairs or replacement out of your own pocket. If that thought gives you instant anxiety, getting Comprehensive coverage and a convenient deductible could prove valuable.
At Direct Auto & Life Insurance in Southaven, 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 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 your payment schedule and choosing how you want to pay. It doesn't matter if you pay cash in-person or pay with a credit card, making policy payments and maintaining Comprehensive coverage in Southaven is easy 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!