Looking for cheap Collision insurance in Opelika? 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 stop sign, tree, guardrail, or pothole. Or if it's hit by a "hit and run" driver! Do you have enough cash on hand to get it fixed up? Meet your deductible and then your Collision coverage will kick in to 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. 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. Usually, 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 cover the cost of having your car replaced or repaired. Together, Comprehensive and Collision are often labeled "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 Opelika? It isn't required 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 might buy it for you and add it to your existing loan balance. This route can be more expensive than if you purchase 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 thought gives you instant anxiety, getting Collision coverage and a workable deductible may be worthwhile.
At Direct Auto & Life Insurance in Opelika, Collision insurance is easy to understand and affordable to get. We offer the solid protection you need, plus the great services you deserve. With us, there's no need to cut back on important coverages to try and save a buck. We help you identify the best policy for your needs and find ALL the discounts you're entitled to. It's a promise. Next, you can make your car insurance feel even more affordable (and manageable) by customizing how and when you pay. Whether you pay by credit card, check, or cash, staying on top of policy payments and your Collision coverage in Opelika 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!