Searching for cheap Comprehensive car insurance in Laurens? Head towards 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? There's no need to worry when you have Comprehensive insurance. After you meet your deductible, Comprehensive insurance will pay for your car, truck, 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. The Comprehensive deductible you choose is up to you. Usually, the higher the deductible you choose, the lower your premium for Comprehensive coverage will be.
Remember that Comprehensive coverage doesn't cover any and all damages to your car. That's why Comprehensive coverage is almost always paired with Collision, which also has a deductible. Collision helps pay for vehicle repairs after your car 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. Collectively, Collision and Comprehensive are often called "full coverage."
Who needs Comprehensive coverage in Laurens? South Carolina insurance law doesn't mandate it, but you might be required to carry Comprehensive insurance if your car is leased or financed. If you don't buy Comprehensive, your lender may purchase it for you and add it to your loan balance. This route can be pricier than if you buy Comprehensive coverage on your own. What if your vehicle isn't financed or leased? Then getting Comprehensive coverage is your choice! Before going without it, though, think about the age of your vehicle and whether you would feel comfortable paying for it to be repaired or replaced out of your own pocket. If that idea troubles you, getting Comprehensive coverage and a manageable deductible might be worth it.
At Direct Auto & Life Insurance in Laurens, Comprehensive car insurance is easy to understand and affordable to get. We offer the solid protection you need, plus the quality services you deserve. With us, there's no need to cut back on important coverages to try and save a buck. We'll help you put together the best insurance for your needs and find ALL the discounts you're entitled to. It's a promise. From there, you have the freedom to make your car insurance even more affordable by customizing how and when you pay. Whether it's by cash, credit card, or check, making policy payments and maintaining Comprehensive coverage in Laurens is easy 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!