Need low cost Comprehensive coverage in North Myrtle Beach? Head towards your local 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." Imagine that your vehicle is vandalized, stolen, 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. Once you meet your deductible, Comprehensive coverage will 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. The Comprehensive deductible you choose is up to you. Usually, the higher the deductible, the lower the premium for Comprehensive.
Note that Comprehensive insurance only covers some types of vehicle damage. That's why Comprehensive coverage goes hand-in-hand with Collision, which has a deductible as well. Collision helps pay for vehicle repairs after your car hits another object, like a guardrail, tree, or street light. Or if it's hit by a "hit and run" driver! Together, Collision and Comprehensive are often called "full coverage."
Who needs Comprehensive coverage in North Myrtle Beach? South Carolina insurance law doesn't mandate it, 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 don't buy Comprehensive, your lender might buy it for you and add it to your existing loan balance. This path can be more expensive than if you purchase Comprehensive insurance on your own. What if you don't have a loan on your vehicle? Then getting Comprehensive coverage is your choice! 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 workable deductible may be worthwhile.
At Direct Auto & Life Insurance in North Myrtle Beach, Comprehensive car insurance is easy to understand 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! After that, you can make your car insurance feel even more affordable (and manageable) by customizing how and when you pay. Whether it's by cash, credit card, or check, paying for Comprehensive insurance in North Myrtle Beach is hassle-free 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!