Searching for low cost Collision coverage in Selma? Look no further than your nearest Direct Auto & Life Insurance. While Alabama law does not require drivers to have Collision coverage, it can still be beneficial to have. Imagine that your car runs into another object, like a stop sign, tree, guardrail, 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 have to pay toward repairs before your insurance covers the rest. 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.
Note that Collision coverage doesn't cover every situation that results in damage to your car. 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. When combined, Comprehensive and Collision are often referred to as "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 all drivers need Collision coverage in Selma? Alabama insurance law doesn't mandate it, but you may be required to carry Collision coverage if your vehicle is financed or leased. If you don't buy Collision, your lender may purchase it for you and add it to your loan balance. This route can be pricier than if you buy Collision coverage on your own. No car loan? Buying Collision coverage is up to you! 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 idea troubles you, saying yes to Collision coverage and a workable deductible may be worthwhile.
Here at Direct Auto & Life Insurance in Selma, Collision coverage is easy and affordable to get. We offer the protection you want, plus the excellent customer service you deserve! There's no need to pass up essential coverage to try and save money. 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 can make your car insurance feel even more affordable (and manageable) by customizing your payment schedule and choosing how you want to pay. Whether you pay by credit card, check, or cash, staying on top of policy payments and your Collision coverage in Selma 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!