Searching for low cost Comprehensive coverage in Homewood? Come to your nearest Direct AutoInsurance. While Alabama 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." Let's say your car is damaged by a natural disaster, stolen, vandalized, or damaged by contact with an animal. Would it be difficult for you to pay for the repairs or buy yourself a new car? 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 is a deductible? A deductible is the amount of money you have to pay toward repairs before your insurance covers the rest. Deductibles vary by state and insurance company, but generally range from $100 to $1,500. The Comprehensive deductible you choose is up to you. In general, the higher the deductible you choose, the lower your premium for Comprehensive coverage will be.
Keep in mind 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 pays for car repairs after your vehicle 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. When combined, Comprehensive and Collision are often referred to as "full coverage."
Do all drivers need Comprehensive coverage in Homewood? Alabama insurance law doesn't mandate it, but you might be required to carry 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 path can be more expensive than if you purchase Comprehensive insurance on your own. What if your vehicle isn't financed or leased? You can choose whether or not you buy Comprehensive coverage! 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, getting Comprehensive insurance and a workable deductible may be worthwhile.
At Direct AutoInsurance in Homewood, Comprehensive car insurance is easy and affordable to get. We have the on-the-road protection you want, plus the great services you deserve. There's no need to pass up essential coverage to try and save money. We'll help you put together the right insurance policy for your needs and find ALL the discounts you're entitled to. It's a promise. After that, 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, making policy payments and maintaining Comprehensive coverage in Homewood is easy with Direct AutoInsurance! Visit your nearby office or call 1-877-GO-DIRECT (1-877-463-4732) to get all the facts on Comprehensive insurance coverage today!