Need affordable Collision insurance in Albertville? Come to your local Direct Auto & Life Insurance. Collision coverage isn't required by Alabama law, but it can definitely come in handy after trouble on the road. Let's say your car hits another object, like a tree, light post, big pothole, or guardrail. Or, it flips in an accident or is hit by a "hit and run" driver. Would you have enough money to get it fixed? Once you meet your deductible, Collision coverage will help pay for your car, truck, or motorcycle to be repaired or replaced.
A deductible is the amount of money you have to pay toward repairs before your insurance covers the rest. Standard deductibles are between $100 and $1,500, though they vary by insurance company and state. Your Collision deductible amount is your choice. Usually, the higher the deductible, the lower the premium for Collision.
Note that Collision coverage does not cover every situation that leads to damage to your vehicle. Collision coverage is almost always purchased alongside Comprehensive for this very reason. It also carries a deductible. If your car is vandalized, damaged by a natural disaster, or stolen, Comprehensive coverage will help cover the cost of having your car replaced or repaired. Collectively, Comprehensive and Collision are often referred to as "full coverage." However, that terminology can be misleading and often means different things to different people. That's why we avoid using that term at Direct Auto & Life Insurance. Instead, we use the precise policy and coverage terms to help explain the coverage you have.
Do all drivers need Collision coverage in Albertville? It isn't required by Alabama insurance law, but you may be required to carry Collision coverage if you're leasing or financing your car. If you decide not to get Collision, your lender may buy it for you and tack it on to your loan. This route can carry a higher price tag than if you bought Collision insurance on your own. What if you don't have a loan on your vehicle? You can choose whether or not you buy Collision coverage! 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 thought worries you, getting Collision coverage and a manageable deductible might be worth it.
At Direct Auto & Life Insurance in Albertville, Collision coverage is affordable to get and easy to understand. We offer the protection you want, plus the great services you deserve. There's no need to pass up essential coverage to try and save money. We help you identify the best insurance for your needs and find ALL the discounts you're entitled to. It's a 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 whether you pay cash in-person or pay with a credit card, paying for Collision insurance in Albertville is hassle-free with Direct Auto & Life! Stop by your neighborhood location or call 1-877-GO-DIRECT (1-877-463-4732) to learn more about Collision coverage!