Searching for cheap Comprehensive car insurance in Charlotte? Head towards your local Direct Auto & Life Insurance. While North Carolina law does not require drivers to have Comprehensive coverage, it can still be beneficial to have. 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 vehicle is vandalized, stolen, damaged by a natural disaster, or damaged by contact with an animal. How hard would it be for you to pay to get it repaired or replaced? 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 is a deductible? A deductible is the amount of money you have to pay toward repairs before your insurance covers the rest. 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, the lower the premium for Comprehensive.
Note 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 helps pay for vehicle repairs after your car hits another object, like a guardrail, tree, or street light. Or if it flips in an accident! When combined, Comprehensive and Collision are often referred to as "full coverage."
Do I need Comprehensive coverage in Charlotte? It's not mandated by North Carolina insurance law, but you could be required to have Comprehensive insurance if your car is leased or financed. If you don't buy Comprehensive, your lender may buy it for you and tack it on to your loan. This route can be pricier than if you buy Comprehensive coverage on your own. What if your vehicle isn't financed or leased? 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, getting Comprehensive insurance and a workable deductible may be worthwhile.
At Direct Auto & Life Insurance in Charlotte, Comprehensive insurance is easy and affordable to get. 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'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 you pay by credit card, check, or cash, paying for Comprehensive insurance in Charlotte is hassle-free 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!