Need low cost Comprehensive coverage in Florence? Look no further than your nearby 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 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. 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. Standard deductibles are between $100 and $1,500, though they vary by insurance company and state. Your Comprehensive deductible amount is your choice. 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. 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, it flips in an accident or is hit by a "hit and run" driver. When combined, Comprehensive and Collision are often labeled "full coverage."
Who needs Comprehensive coverage in Florence? It's not mandated by South Carolina insurance law, but you might be required to carry Comprehensive insurance if your vehicle is financed or leased. If you choose not to purchase Comprehensive, your lender may buy it for you and tack it on to your loan. This route can carry a higher price tag than if you bought Comprehensive car insurance on your own. No car loan? Buying Comprehensive coverage is up to you! Before rejecting it, give some thought to the age of your car and whether you'd be able to pay for repairs or replacement out of your own pocket. If that thought worries you, saying yes to Comprehensive coverage and a manageable deductible might be worth it.
At Direct Auto & Life Insurance in Florence, Comprehensive insurance is affordable to get and easy to understand. We have the on-the-road protection you want, plus the quality services you deserve. There's no need to pass up essential coverage to try and save money. We'll help you put together the best insurance for your needs and identify every discount you're entitled to. We promise! After that, you can make your car insurance feel even more affordable (and manageable) by customizing how and when you pay. Whether you pay by credit card, check, or cash, staying on top of policy payments and your Comprehensive coverage in Florence 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!