Looking for affordable Comprehensive car insurance in Charleston? Look no further than your local Direct Auto & Life Insurance. Comprehensive coverage may not be required by South Carolina 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." Let's say your car is stolen, vandalized, damaged by a natural disaster, 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. After you meet your deductible, Comprehensive insurance will 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. Typical deductibles range from $100 to $1,500, but they vary by state and insurance company. The Comprehensive deductible you choose is up to you. In general, the higher the deductible, the lower the premium for Comprehensive.
Remember 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 tree, light post, or guardrail. Or if it flips in an accident! Together, Comprehensive and Collision are often labeled "full coverage."
Do all drivers need Comprehensive coverage in Charleston? It isn't required by South Carolina 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 vehicle is financed or leased. If you decide not to get Comprehensive, your lender may purchase it for you and add it to your loan balance. This way can be pricier than if you buy Comprehensive coverage on your own. What if you don't have a loan on your vehicle? 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 thought worries you, getting Comprehensive coverage and a manageable deductible might be worth it.
At Direct Auto & Life Insurance in Charleston, Comprehensive car insurance is affordable to get and easy to understand. We offer the 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 right insurance policy for your needs and identify every discount you're entitled to. We promise! Next, you have the freedom to make your car insurance even more affordable by customizing the time and way you pay. It doesn't matter if you pay cash in-person or pay with a credit card, making policy payments and maintaining Comprehensive coverage in Charleston is easy 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!