Searching for low cost Collision coverage in Anniston? Look no further than your nearest Direct Auto & Life Insurance. Collision coverage may not be required by Alabama law, but it can be extremely helpful when run into trouble while driving. Let's say your car hits another object, like a stop sign, tree, guardrail, or pothole. Or, it flips in an accident or is hit by a "hit and run" driver. Could you pay to have it repaired? 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 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. Your Collision deductible amount is your choice. Generally speaking, 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. That's why Collision coverage goes hand-in-hand with Comprehensive, which has a deductible as well. If your car is damaged by a natural disaster, stolen, or vandalized, Comprehensive coverage will help pay to have your vehicle 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. We avoid using that term at Direct Auto & Life Insurance, and choose to use the precise policy and coverage terms to explain your coverages.
Who needs Collision coverage in Anniston? It's not mandated by Alabama insurance law, but you might be required to carry Collision insurance if your car is leased or financed. If you decide not to get Collision, your lender might buy it for you and add it to your existing loan balance. This way can be more expensive than if you purchase Collision insurance on your own. What if you don't have a loan on your vehicle? Buying Collision coverage is up to you! Before nixing 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, saying yes to Collision coverage and a workable deductible may be worthwhile.
At Direct Auto & Life Insurance in Anniston, Collision insurance is easy to understand and affordable to get. We offer the solid protection you need, plus the excellent customer service you deserve! With us, you don't have to skip out on important coverages to try and make your insurance cheaper. We help you determine the best policy for your needs and find ALL the discounts you're entitled to. It's a promise. After that, you have the freedom to make your car insurance even more affordable by customizing your payment schedule and choosing how you want to pay. It doesn't matter whether you pay cash in-person or pay with a credit card, making policy payments and maintaining Collision coverage in Anniston is easy 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!