Searching for low cost Collision coverage in Florence? Come to your nearby 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. Imagine that your car runs into another object, like a stop sign, tree, guardrail, or pothole. Or if it's hit by a "hit and run" driver! Would you have enough money to get it fixed? Meet your deductible and then your Collision coverage will kick in to help pay for your motorcycle, truck, or car 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. Standard deductibles are between $100 and $1,500, though they vary by insurance company and state. The Collision deductible you choose is up to you. Generally speaking, the higher the deductible, the lower the premium for Collision.
Remember that Collision coverage doesn't cover every situation that results in damage to your car. 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 labeled "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.
Who needs Collision coverage in Florence? 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 don't buy Collision, your lender may purchase it for you and add it to your loan balance. 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? Then getting Collision coverage is your choice! 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, saying yes to Collision coverage and a workable deductible may be worthwhile.
At Direct Auto & Life Insurance in Florence, Collision insurance is easy to understand and affordable to get. We have the on-the-road protection you want, plus the great services 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 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 the time and way you pay. Whether it's by cash, credit card, or check, making policy payments and maintaining Collision coverage in Florence is easy with Direct Auto & Life! Call 1-877-GO-DIRECT (1-877-463-4732) or stop by your nearest location to learn more about Collision coverage today!