Looking for low cost Comprehensive coverage in Durham? Come to 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." Let's say 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 car, truck, 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. Standard deductibles are between $100 and $1,500, though they vary by insurance company and state. Your Comprehensive deductible is completely up to you. In general, the higher the deductible, the lower the premium for Comprehensive.
Keep in mind that Comprehensive insurance won't pay for all types of damages to your vehicle. Comprehensive coverage is almost always purchased alongside Collision for this very reason. It also carries a deductible. Collision pays for car repairs after your vehicle hits another object, like a tree, light post, or guardrail. Or if it's hit by a "hit and run" driver! Together, Collision and Comprehensive are often called "full coverage."
Do all drivers need Comprehensive coverage in Durham? North Carolina insurance law doesn't mandate it, but you may be required to carry Comprehensive coverage 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 way can be more expensive than if you purchase Comprehensive insurance on your own. No car loan? 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 idea troubles you, saying yes to Comprehensive coverage and a manageable deductible might be worth it.
At Direct Auto & Life Insurance in Durham, Comprehensive insurance is easy and affordable to get. We have the on-the-road protection you want, plus the great services you deserve. With us, there's no need to cut back on important coverages to try and save a buck. We help you determine the best insurance for your needs and find every discount you're eligible for. That's our promise! After that, you can make your car insurance feel even more affordable (and manageable) by customizing your payment schedule and choosing how you want to pay. Whether you pay by credit card, check, or cash, staying on top of policy payments and your Comprehensive coverage in Durham is simple 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!