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Need low cost Comprehensive coverage in Chesapeake? Head towards your local Direct Auto & Life Insurance. Comprehensive coverage may not be required by Virginia 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." Imagine that 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 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. Typical deductibles range from $100 to $1,500, but they vary by state and insurance company. Your Comprehensive deductible amount is your choice. Generally speaking, the higher the deductible, the lower the premium for Comprehensive.

Remember that Comprehensive coverage doesn't cover any and all damages to your car. That's why Comprehensive coverage is almost always paired with Collision, which also has a deductible. Collision pays for car repairs after your vehicle hits another object, like a tree, light post, 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 Chesapeake? It's not mandated by Virginia insurance law, but you might be required to carry 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 carry a higher price tag than if you bought Comprehensive car 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 workable deductible may be worthwhile.

At Direct Auto & Life Insurance in Chesapeake, Comprehensive insurance is easy and affordable to get. We offer the protection you want, plus the quality services 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 policy for your needs and identify every discount you're entitled to. We promise! Next, 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, making policy payments and maintaining Comprehensive coverage in Chesapeake is easy with Direct Auto & Life Insurance! Stop by your neighborhood location or call 1-877-GO-DIRECT (1-877-463-4732) to learn more about Comprehensive coverage!

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