Looking for cheap Comprehensive car insurance in Little Rock? Look no further than your nearby Direct AutoInsurance. Comprehensive coverage isn't required by Arkansas law, but it can definitely come in handy if you have trouble on the road. 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 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? There's no need to worry when you have Comprehensive insurance. Meet your deductible and then your Comprehensive coverage will kick in to help 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. The Comprehensive deductible you choose is up to you. Generally speaking, the higher the deductible, the lower the premium for Comprehensive.
Keep in mind that Comprehensive coverage doesn't cover any and all damages to your car. That's why Comprehensive coverage goes hand-in-hand with Collision, which has a deductible as well. Collision helps pay for your vehicle to be repaired after it hits another object, like a guardrail, tree, or street light. Or if it's hit by a "hit and run" driver! Collectively, Collision and Comprehensive are often called "full coverage."
Who needs Comprehensive coverage in Little Rock? It's not mandated by Arkansas insurance law, but you may be required to carry Comprehensive coverage [marketing-content-p4-3] but you could be required to have Comprehensive insurance if your vehicle is financed or leased. If you choose not to purchase 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. What if you don't have a loan on your vehicle? Then getting Comprehensive coverage is your choice! 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 thought worries you, getting Comprehensive insurance and a convenient deductible could prove valuable.
Here at Direct AutoInsurance in Little Rock, Comprehensive coverage is easy and affordable to get. We have the on-the-road protection you want, plus the excellent customer service you deserve! With us, there's no need to cut back on important coverages to try and save a buck. We help you determine the best policy for your needs and identify every discount you're entitled to. We promise! From there, you can make your car insurance feel even more affordable (and manageable) by customizing how and when you pay. It doesn't matter if you pay cash in-person or pay with a credit card, paying for Comprehensive insurance in Little Rock 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!