Looking for affordable Comprehensive car insurance in Conway? Look no further than your nearby Direct AutoInsurance. While Arkansas law does not require drivers to have Comprehensive coverage, it can still be beneficial to have. It helps pay for car repairs that result from an event other than a collision, which is why it's often called, "Other than Collision Coverage." Say your vehicle is vandalized, stolen, damaged by a natural disaster, 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. Once you meet your deductible, Comprehensive coverage will 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 amount is your choice. Generally speaking, going with a high deductible is a good way to lower your premium for Comprehensive coverage.
Remember that Comprehensive insurance won't pay for all types of damages to your vehicle. Comprehensive coverage is almost always purchased alongside Collision for this very reason. It also carries a deductible. Collision helps pay for vehicle repairs after your car hits another object, like a stop sign, tree, or guardrail. 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."
Who needs Comprehensive coverage in Conway? It isn't required by Arkansas insurance law, 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 buy it for you and tack it on to your loan. 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, 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 workable deductible may be worthwhile.
Here at Direct AutoInsurance in Conway, Comprehensive coverage 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 identify the best insurance 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. Whether it's by cash, credit card, or check, paying for Comprehensive insurance in Conway is hassle-free 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!