Searching for low cost Collision coverage in Cullman? Look no further than your local Direct Auto & Life Insurance. While Alabama law does not require drivers to have Collision coverage, it can still be beneficial to have. Imagine that your car runs into another object, like a stop sign, tree, guardrail, or pothole. Or if it flips in an accident! Could you pay to have it repaired? Meet your deductible and then your Collision coverage will kick in to help pay for your truck, car, 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. Deductibles vary by state and insurance company, but generally range from $100 to $1,500. Your Collision deductible amount is your choice. Usually, the higher the deductible you choose, the lower your premium for Collision coverage will be.
Note that Collision insurance won't pay for every scenario that results in 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 stolen, vandalized, or damaged by a natural disaster, Comprehensive coverage will help cover the cost of having your car replaced or repaired. When combined, Comprehensive and Collision are often labeled "full coverage." However, that terminology can be misleading and often means different things to different people. At Direct Auto & Life Insurance we avoid using that term and will use the precise policy and coverage terms to describe the coverages you have.
Who needs Collision coverage in Cullman? Alabama insurance law doesn't mandate it, but you might be required to carry Collision insurance if you're leasing or financing your car. If you choose not to purchase Collision, your lender may buy it for you and tack it on to your loan. This way can carry a higher price tag than if you bought Collision insurance on your own. What if your vehicle isn't financed or leased? 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 Cullman, Collision insurance is easy and affordable to get. We offer the protection you want, 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'll help you put together the best policy for your needs and find every discount you're eligible for. That's our promise! Next, you have the freedom to make your car insurance even more affordable by customizing your payment schedule and choosing how you want to pay. Whether it's by cash, credit card, or check, paying for Collision insurance in Cullman 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!