Looking for low cost Collision coverage in Huntsville? Look no further than 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. Let's say your car hits another object, like a tree, light post, big pothole, or guardrail. Or if it's 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 motorcycle, truck, or car to be repaired or replaced.
A car insurance deductible is what you pay to repair your car if you have an accident or claim. 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 you choose, the lower your premium for Collision coverage will be.
Keep in mind 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 stolen, vandalized, or damaged by a natural disaster, Comprehensive coverage will help pay to have your vehicle replaced or repaired. When combined, Collision and Comprehensive are often called "full coverage." However, that phrasing means different things to different people, and it can be downright confusing. 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.
Do I need Collision coverage in Huntsville? It's not mandated by Alabama insurance law, but you could be required to have 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 path can be more expensive than if you purchase Collision insurance on your own. No car loan? 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 thought gives you instant anxiety, getting Collision coverage and a manageable deductible might be worth it.
At Direct Auto & Life Insurance in Huntsville, Collision insurance is affordable to get and easy to understand. 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 help you identify the best insurance for your needs and find ALL the discounts you're entitled to. It's a promise. From there, you have the freedom to make your car insurance even more affordable by customizing how and when you pay. Whether you pay by credit card, check, or cash, making policy payments and maintaining Collision coverage in Huntsville is easy with Direct Auto & Life! Visit your nearby office or call 1-877-GO-DIRECT (1-877-463-4732) to get all the facts on Collision insurance coverage today!