Looking for low cost Collision coverage in Russellville? Head towards your nearest Direct Auto & Life Insurance. Collision coverage isn't required by Alabama law, but it can definitely come in handy after trouble on the road. Think about what would happen if your car collided with 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. Would you have enough money to get it fixed? 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 would pay out-of-pocket, up front for the damage to your vehicle. Deductibles vary by state and insurance company, but generally range from $100 to $1,500. Your Collision deductible amount is your choice. Generally speaking, the higher the deductible, the lower the premium for Collision.
Keep in mind that Collision coverage does not cover every situation that leads to damage to your vehicle. Collision coverage is almost always purchased alongside Comprehensive for this very reason. It also carries a deductible. If your car is stolen, vandalized, or damaged by a natural disaster, Comprehensive coverage will help pay for your vehicle to be repaired or replaced. Collectively, Collision and Comprehensive are often called "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.
Do all drivers need Collision coverage in Russellville? It isn't required by Alabama insurance law, but you might be required to carry Collision insurance if your car is leased or financed. If you don't buy Collision, your lender may buy it for you and tack it on to your loan. This path can be more expensive than if you purchase Collision insurance on your own. No car loan? 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 worries you, getting Collision insurance and a convenient deductible could prove valuable.
At Direct Auto & Life Insurance in Russellville, Collision coverage is affordable to get and easy to understand. We offer the protection you want, 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'll help you put together the best insurance for your needs and find every discount you're eligible for. That's our promise! Next, you have the freedom to make your car insurance even more affordable by customizing how and when you pay. It doesn't matter whether you pay cash in-person or pay with a credit card, making policy payments and maintaining Collision coverage in Russellville 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!