Need low cost Comprehensive coverage in Corpus Christi? Look no further than your nearby Direct Auto & Life Insurance. While Texas law does not require drivers to have Comprehensive coverage, it can still be beneficial to have. It will help pay for auto repairs that resulted from an event other than a collision. That's why you might hear your insurance agent refer to it as, "Other than Collision Coverage." Say your car is damaged by a natural disaster, stolen, vandalized, or damaged by contact with an animal. Would you have enough money to get it fixed or to buy yourself a new one? No need to worry when you have Comprehensive coverage. After you meet your deductible, Comprehensive insurance will 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. Typical deductibles range from $100 to $1,500, but they vary by state and insurance company. Your Comprehensive deductible amount is your choice. Usually, 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. 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 if it's hit by a "hit and run" driver! Together, Comprehensive and Collision are often referred to as "full coverage."
Who needs Comprehensive coverage in Corpus Christi? It's not mandated by Texas insurance law, but you could be required to have Comprehensive insurance if your vehicle is financed or leased. If you decide not to get Comprehensive, your lender may buy it for you and tack it on to your loan. This route can carry a higher price tag than if you bought Comprehensive car insurance on your own. No car loan? Buying Comprehensive coverage is up to you! 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 idea troubles you, getting Comprehensive insurance and a convenient deductible could prove valuable.
Here at Direct Auto & Life Insurance in Corpus Christi, Comprehensive coverage is affordable to get and easy to understand. We have the on-the-road 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 help you identify the best policy for your needs and identify every discount you're entitled to. We promise! From there, 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, making policy payments and maintaining Comprehensive coverage in Corpus Christi 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!