Searching for affordable Comprehensive car insurance in Lancaster? Look no further than 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." 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? You don't have to worry when you have Comprehensive car insurance. Once you meet your deductible, Comprehensive coverage will 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. Deductibles vary by state and insurance company, but generally range from $100 to $1,500. The Comprehensive deductible you choose is up to you. 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. 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. Collectively, Comprehensive and Collision are often referred to as "full coverage."
Do I need Comprehensive coverage in Lancaster? It's not mandated by South Carolina insurance law, 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 might buy it for you and add it to your existing 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? Buying Comprehensive coverage is up to you! 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 convenient deductible could prove valuable.
Here at Direct Auto & Life Insurance in Lancaster, Comprehensive coverage is affordable to get and easy to understand. We offer the protection you want, plus the great services you deserve. There's no need to pass up essential coverage to try and save money. We help you determine the right insurance policy for your needs and find ALL the discounts you're entitled to. It's a promise. After that, you have the freedom to make your car insurance even more affordable 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 Lancaster 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!