Looking for affordable Comprehensive car insurance in Southaven? Look no further than your local 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 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 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? No need to worry when you have Comprehensive coverage. Once you meet your deductible, Comprehensive coverage will 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. Typical deductibles range from $100 to $1,500, but they vary by state and insurance company. Your Comprehensive deductible amount is your choice. Generally speaking, the higher the deductible you choose, the lower your premium for Comprehensive coverage will be.
Note 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 pays for car repairs after your vehicle hits another object, like a stop sign, tree, or guardrail. Or if it's hit by a "hit and run" driver! Collectively, Collision and Comprehensive are often called "full coverage."
Do I need Comprehensive coverage in Southaven? It isn't required by Mississippi insurance law, 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 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? 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 thought worries you, saying yes to Comprehensive coverage and a convenient deductible could prove valuable.
Here at Direct Auto & Life Insurance in Southaven, Comprehensive coverage is easy and affordable to get. We have the on-the-road protection you want, plus the great services you deserve. With us, you don't have to skip out on important coverages to try and make your insurance cheaper. We'll help you put together the right insurance policy for your needs and find ALL the discounts you're entitled to. It's a promise. Next, you can make your car insurance feel even more affordable (and manageable) by customizing the time and way you pay. Whether it's by cash, credit card, or check, staying on top of policy payments and your Comprehensive coverage in Southaven is simple 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!