Searching for cheap Comprehensive car insurance in Pinellas Park? Head towards your local Direct AutoInsurance. While Florida law does not require drivers to have Comprehensive coverage, it can still be beneficial to have. It will help pay for auto repairs that resulted from an event other than a collision. That's why you might hear your insurance agent refer to it 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? No need to worry when you have Comprehensive coverage. Once you meet your deductible, Comprehensive coverage will help pay for your car, truck, or motorcycle 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. Deductibles vary by state and insurance company, but generally range from $100 to $1,500. The Comprehensive deductible you choose is up to you. In general, the higher the deductible you choose, the lower your premium for Comprehensive coverage will be.
Note that Comprehensive insurance only covers some types of vehicle damage. 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 stop sign, tree, or guardrail. Or if it's hit by a "hit and run" driver! Collectively, Comprehensive and Collision are often referred to as "full coverage."
Do I need Comprehensive coverage in Pinellas Park? It isn't required by Florida insurance law, but you might be required to carry 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 path can be pricier than if you buy Comprehensive coverage on your own. No car loan? 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 idea troubles you, getting Comprehensive insurance and a manageable deductible might be worth it.
At Direct AutoInsurance in Pinellas Park, Comprehensive insurance is affordable to get and easy to understand. We offer the solid protection you need, plus the quality services you deserve. There's no need to pass up essential coverage to try and save money. We help you determine the right insurance policy for your needs and identify every discount you're entitled to. We promise! After that, you have the freedom to make your car insurance even more affordable by customizing the time and way you pay. Whether you pay by credit card, check, or cash, staying on top of policy payments and your Comprehensive coverage in Pinellas Park is simple 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!