Searching for low cost Comprehensive coverage in Decatur? Come to your nearest Direct AutoInsurance. Comprehensive coverage isn't required by Georgia law, but it can definitely come in handy if you have trouble on the road. 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." 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? There's no need to worry when you have Comprehensive insurance. Once you meet your deductible, Comprehensive coverage will help 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. 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.
Keep in mind that Comprehensive insurance only covers some types of vehicle damage. Comprehensive coverage is almost always purchased alongside Collision for this very reason. It also carries a deductible. Collision helps pay for vehicle repairs after your car hits another object, like a stop sign, tree, 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 Decatur? It's not mandated by Georgia insurance law, but you might be required to carry Comprehensive insurance if your car is leased or financed. If you don't buy Comprehensive, your lender might buy it for you and add it to your existing loan balance. This route can be more expensive than if you purchase Comprehensive insurance 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, give some thought to the age of your vehicle. How much is it worth? Would you be comfortable paying for it to be replaced or repaired on your own? If that thought gives you instant anxiety, getting Comprehensive coverage and a convenient deductible could prove valuable.
Here at Direct AutoInsurance in Decatur, Comprehensive coverage is affordable to get and easy to understand. We offer the protection you want, 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'll help you put together the best policy for your needs and find ALL the discounts you're entitled to. It's a promise. After that, you have the opportunity to take your auto insurance to a whole new level of affordability by customizing the time and way you pay. Whether it's by cash, credit card, or check, paying for Comprehensive insurance in Decatur 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!