Comprehensive Coverage

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Looking for low cost Comprehensive coverage in Lancaster? Look no further than your local Direct Auto & Life Insurance. While South Carolina law does not require drivers to have Comprehensive coverage, it can still be beneficial to have. 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." Let's say your car is stolen, vandalized, damaged by a natural disaster, or damaged by contact with an animal. Would it be difficult for you to pay for the repairs or buy yourself a new car? 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 car, truck, or motorcycle to be repaired or replaced.

What’s the definition of a deductible? A car insurance deductible is what you pay to repair your car if you have an accident or claim. Deductibles vary by state and insurance company, but generally range from $100 to $1,500. Your Comprehensive deductible amount is your choice. In general, the higher the deductible you choose, the lower your premium for Comprehensive coverage will be.

Remember that Comprehensive insurance won't pay for all types of damages to your vehicle. 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 stop sign, tree, or guardrail. Or, it flips in an accident or is hit by a "hit and run" driver. Together, Collision and Comprehensive are often called "full coverage."

Who needs Comprehensive coverage in Lancaster? It's not mandated by South Carolina insurance law, but you might be required to carry Comprehensive insurance if your car is leased or financed. If you choose not to purchase Comprehensive, your lender might buy it for you and add it to your existing loan balance. This route can be more expensive than if you purchase Comprehensive insurance on your own. What if you don't have a loan on your vehicle? 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, getting Comprehensive coverage and a workable deductible may be worthwhile.

At Direct Auto & Life Insurance in Lancaster, Comprehensive insurance is easy 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 policy for your needs and find every discount you're eligible for. That's our 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, staying on top of policy payments and your Comprehensive coverage in Lancaster is simple with Direct Auto & Life Insurance! Visit your nearby office or call 1-877-GO-DIRECT (1-877-463-4732) to get all the facts on Comprehensive insurance coverage today!

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