Searching for affordable Comprehensive car insurance in Saint Petersburg? Look no further than your local Direct AutoInsurance. Comprehensive coverage isn't required by Florida law, but it can definitely come in handy if you have trouble on the road. It helps pay for car repairs that result from an event other than a collision, which is why it's often called, "Other than Collision Coverage." Imagine that your car is damaged by a natural disaster, stolen, vandalized, or damaged by contact with an animal. Would it be difficult for you to pay for the repairs or buy yourself a new car? There's no need to worry when you have Comprehensive insurance. After you meet your deductible, Comprehensive insurance will 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. Standard deductibles are between $100 and $1,500, though they vary by insurance company and state. Your Comprehensive deductible amount is your choice. In general, the higher the deductible, the lower the premium for Comprehensive.
Note that Comprehensive insurance won't pay for all types of damages to your vehicle. 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 stop sign, tree, or guardrail. Or if it flips in an accident! When combined, Comprehensive and Collision are often labeled "full coverage."
Do I need Comprehensive coverage in Saint Petersburg? It's not mandated 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 route can be pricier than if you buy Comprehensive coverage on your own. What if your vehicle isn't financed or leased? Then getting Comprehensive coverage is your choice! 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 idea troubles you, getting Comprehensive coverage and a workable deductible may be worthwhile.
Here at Direct AutoInsurance in Saint Petersburg, Comprehensive coverage is easy and affordable to get. We offer the 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 right insurance policy for your needs and identify every discount you're entitled to. We promise! After that, you can make your car insurance feel even more affordable (and manageable) by customizing your payment schedule and choosing how you want to pay. It doesn't matter if you pay cash in-person or pay with a credit card, paying for Comprehensive insurance in Saint Petersburg 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!