Searching for low cost Comprehensive coverage in Petersburg? Look no further than your local Direct AutoInsurance. Comprehensive coverage isn't required by Virginia 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." Let's say 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? No need to worry when you have Comprehensive coverage. 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. Typical deductibles range from $100 to $1,500, but they vary by state and insurance company. The Comprehensive deductible you choose is up to you. Usually, going with a high deductible is a good way to lower your premium for Comprehensive coverage.
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 vehicle repairs after your car 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 referred to as "full coverage."
Do all drivers need Comprehensive coverage in Petersburg? It's not mandated by Virginia insurance law, but you might be required to carry Comprehensive insurance if your car is leased or financed. If you decide not to get Comprehensive, your lender may purchase it for you and add it to your loan balance. This route can be pricier than if you buy Comprehensive coverage on your own. No car loan? 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 worries you, saying yes to Comprehensive coverage and a manageable deductible might be worth it.
Here at Direct AutoInsurance in Petersburg, Comprehensive coverage 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 identify every discount you're entitled to. We promise! Next, you can make your car insurance feel even more affordable (and manageable) by customizing how and when you pay. It doesn't matter if you pay cash in-person or pay with a credit card, paying for Comprehensive insurance in Petersburg 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!