Need cheap Collision insurance in Montgomery? Look no further than your nearby Direct Auto & Life Insurance. While Alabama law does not require drivers to have Collision coverage, it can still be beneficial to have. Think about what would happen if your car collided with another object, like a guardrail, tree, street light, or pothole. Or if it flips in an accident! Could you pay to have it repaired? Once you meet your deductible, Collision coverage will 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. Typical deductibles range from $100 to $1,500, but they vary by state and insurance company. The Collision deductible you choose is up to you. In general, the higher the deductible you choose, the lower your premium for Collision coverage will be.
Remember 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 damaged by a natural disaster, stolen, or vandalized, Comprehensive coverage will help cover the cost of having your car replaced or repaired. Together, Comprehensive and Collision are often referred to as "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.
Do all drivers need Collision coverage in Montgomery? Alabama insurance law doesn't mandate it, 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 might buy it for you and add it to your existing loan balance. This path can carry a higher price tag than if you bought Collision insurance on your own. What if your vehicle isn't financed or leased? 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, getting Collision insurance and a convenient deductible could prove valuable.
Here at Direct Auto & Life Insurance in Montgomery, Collision coverage is easy and affordable to get. We offer the protection you want, plus the excellent customer service you deserve! With us, there's no need to cut back on important coverages to try and save a buck. We help you determine the best policy for your needs and identify every discount you're entitled to. We promise! From there, you have the opportunity to take your auto insurance to a whole new level of affordability by customizing the time and way you pay. Whether you pay by credit card, check, or cash, staying on top of policy payments and your Collision coverage in Montgomery is simple 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!