Need affordable Comprehensive car insurance in Florence? 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 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 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’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 you choose, the lower your premium for Comprehensive coverage will be.
Remember that Comprehensive insurance only covers some types of vehicle damage. That's why Comprehensive coverage is almost always paired with Collision, which also has a deductible. Collision helps pay for your vehicle to be repaired after it hits another object, like a tree, light post, or guardrail. Or if it flips in an accident! Together, Collision and Comprehensive are often called "full coverage."
Who needs Comprehensive coverage in Florence? It's not mandated 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 you're leasing or financing your car. If you decide not to get Comprehensive, your lender may buy it for you and tack it on to your loan. 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? You can choose whether or not you buy Comprehensive coverage! 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, saying yes to Comprehensive coverage and a workable deductible may be worthwhile.
At Direct Auto & Life Insurance in Florence, Comprehensive car insurance is easy and affordable to get. We offer the 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 help you identify the right insurance policy for your needs and identify every discount you're entitled to. We promise! From there, you have the opportunity to take your auto insurance to a whole new level of affordability by customizing your payment schedule and choosing how you want to pay. Whether you pay by credit card, check, or cash, making policy payments and maintaining Comprehensive coverage in Florence is easy 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!