Looking for cheap Comprehensive car insurance in Dunn? Look no further than 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 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." Imagine that your car is damaged by a natural disaster, stolen, vandalized, 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. After you meet your deductible, Comprehensive insurance will pay for your car, truck, or motorcycle to be repaired or replaced.
What’s the definition of a deductible? A car insurance deductible is what you pay to repair your car if you have an accident or claim. Deductibles vary by state and insurance company, but generally range from $100 to $1,500. Your Comprehensive deductible is completely up to you. Generally speaking, going with a high deductible is a good way to lower your premium for Comprehensive coverage.
Keep in mind 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 helps pay for vehicle repairs after your car hits another object, like a guardrail, tree, or street light. Or if it's hit by a "hit and run" driver! Collectively, Collision and Comprehensive are often called "full coverage."
Do all drivers need Comprehensive coverage in Dunn? North Carolina insurance law doesn't mandate it, but you might be required to carry Comprehensive insurance if your vehicle is financed or leased. If you decide not to get Comprehensive, your lender might buy it for you and add it to your existing loan balance. This path can carry a higher price tag than if you bought Comprehensive car insurance on your own. What if you don't have a loan on your vehicle? Then getting Comprehensive coverage is your choice! 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 idea troubles you, getting Comprehensive coverage and a manageable deductible might be worth it.
At Direct Auto & Life Insurance in Dunn, Comprehensive insurance is affordable to get and easy to understand. We offer the protection you want, plus the quality services you deserve. With us, you don't have to skip out on important coverages to try and make your insurance cheaper. We help you identify the best insurance for your needs and find every discount you're eligible for. That's our 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 Dunn is hassle-free 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!