Looking for affordable Comprehensive car insurance in Austin? Look no further than your nearest Direct Auto & Life Insurance. While Texas law does not require drivers to have Comprehensive coverage, it can still be beneficial to have. 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." Let's say your car is stolen, vandalized, damaged by a natural disaster, 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. Meet your deductible and then your Comprehensive coverage will kick in to help pay for your motorcycle, truck, or car 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. Standard deductibles are between $100 and $1,500, though they vary by insurance company and state. Your Comprehensive deductible is completely up to you. Generally speaking, going with a high deductible is a good way to lower your premium for Comprehensive coverage.
Note that Comprehensive insurance only covers some types of vehicle damage. 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 guardrail, tree, or street light. Or, it flips in an accident or is hit by a "hit and run" driver. Together, Comprehensive and Collision are often referred to as "full coverage."
Do all drivers need Comprehensive coverage in Austin? Texas insurance law doesn't mandate it, 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 buy it for you and tack it on to your loan. This route can be more expensive than if you purchase Comprehensive insurance 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 idea troubles you, saying yes to Comprehensive coverage and a manageable deductible might be worth it.
At Direct Auto & Life Insurance in Austin, Comprehensive car insurance is affordable to get and easy to understand. 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 determine the best insurance for your needs and find every discount you're eligible for. That's our promise! Next, you have the opportunity to take your auto insurance to a whole new level of affordability by customizing the time and way you pay. It doesn't matter if you pay cash in-person or pay with a credit card, staying on top of policy payments and your Comprehensive coverage in Austin 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!