Looking for affordable Comprehensive car insurance in Anderson? Come to your local Direct Auto & Life Insurance. Comprehensive coverage isn't required by South Carolina law, but it can definitely come in handy if you have trouble on the road. It helps pay for car repairs that result from an event other than a collision, which is why it's often called, "Other than Collision Coverage." Imagine that your car is damaged by a natural disaster, stolen, vandalized, or damaged by contact with an animal. Would you have enough money to get it fixed or to buy yourself a new one? No need to worry when you have Comprehensive coverage. Meet your deductible and then your Comprehensive coverage will kick in to help pay for your motorcycle, truck, or car 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. In general, going with a high deductible is a good way to lower your premium for Comprehensive coverage.
Remember that Comprehensive insurance only covers some types of vehicle damage. Comprehensive coverage is almost always purchased alongside Collision for this very reason. It also carries a deductible. Collision helps pay for your vehicle to be repaired after it hits another object, like a stop sign, tree, or guardrail. Or, it flips in an accident or is hit by a "hit and run" driver. Together, Comprehensive and Collision are often labeled "full coverage."
Do I need Comprehensive coverage in Anderson? It's not mandated by South Carolina insurance law, but you might be required to carry Comprehensive insurance if you're leasing or financing your car. If you choose not to purchase Comprehensive, your lender may purchase it for you and add it to your loan balance. This way can be more expensive than if you purchase Comprehensive insurance on your own. What if you don't have a loan on your vehicle? 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, getting Comprehensive coverage and a workable deductible may be worthwhile.
Here at Direct Auto & Life Insurance in Anderson, Comprehensive coverage is affordable to get and easy to understand. We have the on-the-road protection you want, plus the excellent customer service 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. After that, you have the opportunity to take your auto insurance to a whole new level of affordability by customizing how and when you pay. It doesn't matter if you pay cash in-person or pay with a credit card, staying on top of policy payments and your Comprehensive coverage in Anderson 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!