Comprehensive Coverage

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Searching for affordable Comprehensive car insurance in Starkville? Head towards 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 will help pay for auto repairs that resulted from an event other than a collision. That's why you might hear your insurance agent refer to it as, "Other than Collision Coverage." Imagine that 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. After you meet your deductible, Comprehensive insurance will 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 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 tree, light post, or guardrail. Or if it flips in an accident! Collectively, Collision and Comprehensive are often called "full coverage."

Do I need Comprehensive coverage in Starkville? It's not mandated 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 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 route can be more expensive than if you purchase Comprehensive insurance on your own. What if your vehicle isn't financed or leased? You can choose whether or not you buy Comprehensive coverage! 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 Starkville, Comprehensive coverage is affordable to get and easy to understand. We have the on-the-road protection you want, plus the great services you deserve. There's no need to pass up essential coverage to try and save money. We help you identify the best policy for your needs and find every discount you're eligible for. That's our promise! From there, you have the opportunity to take your auto insurance to a whole new level of affordability by customizing your payment schedule and choosing how you want to pay. Whether it's by cash, credit card, or check, making policy payments and maintaining Comprehensive coverage in Starkville is easy 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!

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