Need affordable Collision insurance in Prattville? Head towards 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 guardrail, tree, street light, or pothole. Or, it flips in an accident or is hit by a "hit and run" driver. Do you have enough cash on hand to get it fixed up? Once you meet your deductible, Collision coverage will help pay for your car, truck, 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. Typical deductibles range from $100 to $1,500, but they vary by state and insurance company. Your Collision deductible amount is your choice. In general, going with a high deductible is a good way to lower your premium for Collision coverage.
Keep in mind 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 pay to have your vehicle 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.
Do all drivers need Collision coverage in Prattville? It isn't required by Alabama insurance law, 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 might buy it for you and add it to your existing 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 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, saying yes to Collision coverage and a convenient deductible could prove valuable.
At Direct Auto & Life Insurance in Prattville, Collision coverage is easy to understand and affordable to get. We offer the protection you want, plus the great services you deserve. There's no need to pass up essential coverage to try and save money. We help you determine the best insurance for your needs and identify every discount you're entitled to. We promise! After that, you have the freedom to make your car insurance even more affordable by customizing the time and way you pay. Whether you pay by credit card, check, or cash, making policy payments and maintaining Collision coverage in Prattville 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!