Looking for low cost Comprehensive coverage in West Columbia? Head towards your local 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 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." Say your vehicle is vandalized, stolen, damaged by a natural disaster, or damaged by contact with an animal. How hard would it be for you to pay to get it repaired or replaced? You don't have to worry when you have Comprehensive car 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, going with a high deductible is a good way to lower your premium for Comprehensive coverage.
Keep in mind 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 your vehicle to be repaired after it hits another object, like a stop sign, tree, or guardrail. Or if it flips in an accident! Collectively, Comprehensive and Collision are often labeled "full coverage."
Do all drivers need Comprehensive coverage in West Columbia? 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 don't buy Comprehensive, your lender may purchase it for you and add it to your loan balance. This route can be more expensive than if you purchase Comprehensive insurance on your own. No car loan? 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 thought gives you instant anxiety, saying yes to Comprehensive coverage and a convenient deductible could prove valuable.
At Direct Auto & Life Insurance in West Columbia, Comprehensive insurance is easy and affordable to get. We offer the protection you want, 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 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. It doesn't matter if you pay cash in-person or pay with a credit card, paying for Comprehensive insurance in West Columbia is hassle-free 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!