Searching for affordable Comprehensive car insurance in Van Buren? Look no further than your nearest 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." Imagine that your car is damaged by a natural disaster, stolen, vandalized, or damaged by contact with an animal. How hard would it be for you to pay to get it repaired or replaced? No need to worry when you have Comprehensive coverage. 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’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. Your Comprehensive deductible is completely up to you. In general, the higher the deductible you choose, the lower your premium for Comprehensive coverage will be.
Note that Comprehensive coverage doesn't cover any and all damages to your car. 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, it flips in an accident or is hit by a "hit and run" driver. When combined, Comprehensive and Collision are often labeled "full coverage."
Do all drivers need Comprehensive coverage in Van Buren? It isn't required 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 might buy it for you and add it to your existing loan balance. 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? Buying Comprehensive coverage is up to you! Before rejecting it, give some thought to the age of your car and whether you'd be able to pay for repairs or replacement 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 Van Buren, Comprehensive insurance is affordable to get and easy to understand. We have the on-the-road 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'll help you put together 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 the time and way you pay. It doesn't matter if you pay cash in-person or pay with a credit card, paying for Comprehensive insurance in Van Buren is hassle-free with Direct AutoInsurance! Call 1-877-GO-DIRECT (1-877-463-4732) or stop by your nearest location to learn more about Comprehensive coverage today!