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Need cheap Comprehensive car insurance in Charleston? Head towards your nearest 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." Imagine that your car is damaged by a natural disaster, stolen, vandalized, or damaged by contact with an animal. Would it be difficult for you to pay for the repairs or buy yourself a new car? There's no need to worry when you have Comprehensive insurance. Meet your deductible and then your Comprehensive coverage will kick in to help pay for your truck, car, 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, going with a high deductible is a good way to lower your premium for Comprehensive coverage.

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 pays for car repairs after your vehicle hits another object, like a tree, light post, or guardrail. Or if it flips in an accident! Collectively, Comprehensive and Collision are often referred to as "full coverage."

Who needs Comprehensive coverage in Charleston? South Carolina insurance law doesn't mandate it, but you could be required to have Comprehensive insurance if your vehicle is financed or leased. If you don't buy Comprehensive, your lender might buy it for you and add it to your existing loan balance. This way can carry a higher price tag than if you bought Comprehensive car insurance on your own. What if your vehicle isn't financed or leased? Then getting Comprehensive coverage is your choice! Before going without it, give some thought to the age of your vehicle. How much is it worth? Would you be comfortable paying for it to be replaced or repaired on your own? If that thought gives you instant anxiety, getting Comprehensive insurance and a workable deductible may be worthwhile.

Here at Direct Auto & Life Insurance in Charleston, Comprehensive coverage is easy to understand and affordable to get. We offer the solid protection you need, plus the excellent customer service you deserve! There's no need to pass up essential coverage to try and save money. 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 have the opportunity to take your auto insurance to a whole new level of affordability by customizing the time and way you pay. Whether you pay by credit card, check, or cash, paying for Comprehensive insurance in Charleston 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!

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