Searching for affordable Comprehensive car insurance in North Little Rock? Head towards your nearby Direct AutoInsurance. While Arkansas law does not require drivers to have Comprehensive coverage, it can still be beneficial to have. 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." Say your car is stolen, vandalized, damaged by a natural disaster, 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 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. Standard deductibles are between $100 and $1,500, though they vary by insurance company and state. Your Comprehensive deductible is completely up to you. Usually, the higher the deductible, the lower the premium for Comprehensive.
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 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! When combined, Collision and Comprehensive are often called "full coverage."
Who needs Comprehensive coverage in North Little Rock? Arkansas insurance law doesn't mandate it, but you might be required to carry Comprehensive insurance if you're leasing or financing your car. If you choose not to purchase Comprehensive, your lender may purchase it for you and add it to your loan balance. This path can be pricier than if you buy Comprehensive coverage on your own. What if you don't have a loan on your vehicle? 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 convenient deductible could prove valuable.
At Direct AutoInsurance in North Little Rock, Comprehensive car insurance is affordable to get and easy to understand. We offer the solid protection you need, plus the great 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 right insurance policy for your needs and find ALL the discounts you're entitled to. It's a promise. After that, you have the freedom to make your car insurance even more affordable 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 North Little Rock is hassle-free with Direct AutoInsurance! Stop by your neighborhood location or call 1-877-GO-DIRECT (1-877-463-4732) to learn more about Comprehensive coverage!