Need low cost Comprehensive coverage in Summerville? Come to 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 car is damaged by a natural disaster, stolen, vandalized, or damaged by contact with an animal. How hard would it be for you to pay to get it repaired or replaced? There's no need to worry when you have Comprehensive insurance. Once you meet your deductible, Comprehensive coverage will help pay for your truck, car, 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. Standard deductibles are between $100 and $1,500, though they vary by insurance company and state. Your Comprehensive deductible amount is your choice. Usually, going with a high deductible is a good way to lower your premium for Comprehensive coverage.
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 helps pay for your vehicle to be repaired after it hits another object, like a stop sign, tree, or guardrail. Or if it's hit by a "hit and run" driver! When combined, Comprehensive and Collision are often labeled "full coverage."
Do all drivers need Comprehensive coverage in Summerville? 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 decide not to get Comprehensive, your lender might buy it for you and add it to your existing loan balance. This route can be pricier than if you buy Comprehensive coverage on your own. What if you don't have a loan on your vehicle? You can choose whether or not you buy Comprehensive coverage! 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 worries you, saying yes to Comprehensive coverage and a convenient deductible could prove valuable.
At Direct Auto & Life Insurance in Summerville, Comprehensive car insurance is easy to understand and affordable to get. We offer the solid protection you need, plus the excellent customer service you deserve! With us, there's no need to cut back on important coverages to try and save a buck. We help you identify the best policy for your needs and find ALL the discounts you're entitled to. It's a promise. From there, you can make your car insurance feel even more affordable (and manageable) by customizing your payment schedule and choosing how you want to pay. Whether it's by cash, credit card, or check, staying on top of policy payments and your Comprehensive coverage in Summerville is simple with Direct Auto & Life Insurance! Call 1-877-GO-DIRECT (1-877-463-4732) or stop by your nearest location to learn more about Comprehensive coverage today!