Searching for low cost Collision coverage in Wetumpka? 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. Let's say your car hits another object, like a tree, light post, big pothole, or guardrail. 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? Meet your deductible and then your Collision coverage will kick in to help pay for your truck, car, 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. Standard deductibles are between $100 and $1,500, though they vary by insurance company and state. Your Collision deductible amount is your choice. Generally speaking, the higher the deductible you choose, the lower your premium for Collision coverage will be.
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 damaged by a natural disaster, stolen, or vandalized, Comprehensive coverage will help pay for your vehicle to be repaired or replaced. When combined, Comprehensive and Collision are often labeled "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 Wetumpka? It's not mandated by Alabama insurance law, 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 way can be pricier than if you buy Collision coverage on your own. No car loan? 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 coverage and a manageable deductible might be worth it.
At Direct Auto & Life Insurance in Wetumpka, Collision coverage is easy to understand and affordable to get. We offer the solid protection you need, plus the quality services you deserve. There's no need to pass up essential coverage to try and save money. We help you identify the best insurance for your needs and find every discount you're eligible for. That's our promise! From there, 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, staying on top of policy payments and your Collision coverage in Wetumpka is simple 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!