Looking for cheap Comprehensive car insurance in Paragould? Come to your nearest 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 car is damaged by a natural disaster, stolen, vandalized, or damaged by contact with an animal. Would you have enough money to get it fixed or to buy yourself a new one? There's no need to worry when you have Comprehensive insurance. After you meet your deductible, Comprehensive insurance will pay for your truck, car, or motorcycle 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. Deductibles vary by state and insurance company, but generally range from $100 to $1,500. The Comprehensive deductible you choose is up to you. Usually, the higher the deductible you choose, the lower your premium for Comprehensive coverage will be.
Note that Comprehensive insurance won't pay for all types of damages to your vehicle. That's why Comprehensive coverage goes hand-in-hand with Collision, which has a deductible as well. Collision pays for car repairs after your vehicle hits another object, like a tree, light post, or guardrail. Or if it flips in an accident! When combined, Comprehensive and Collision are often referred to as "full coverage."
Who needs Comprehensive coverage in Paragould? It's not mandated by Arkansas insurance law, but you might be required to carry Comprehensive insurance if your car is leased or financed. If you choose not to purchase 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? Buying Comprehensive coverage is up to you! 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 worries you, getting Comprehensive coverage and a workable deductible may be worthwhile.
At Direct AutoInsurance in Paragould, Comprehensive car insurance is easy and affordable to get. We offer the solid protection you need, 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 insurance 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, staying on top of policy payments and your Comprehensive coverage in Paragould is simple with Direct AutoInsurance! Stop by your neighborhood location or call 1-877-GO-DIRECT (1-877-463-4732) to learn more about Comprehensive coverage!