Looking for cheap Collision insurance in Hot Springs? Come to your nearby Direct Auto & Life Insurance. While Arkansas 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? Once you meet your deductible, Collision coverage will help pay for your car, truck, or motorcycle to be repaired or replaced.
A car insurance deductible is what you pay to repair your car if you have an accident or claim. Typical deductibles range from $100 to $1,500, but they vary by state and insurance company. Your Collision deductible amount is your choice. Usually, the higher the deductible, the lower the premium for Collision.
Remember that Collision insurance won't pay for every scenario that results in 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. Together, Comprehensive and Collision are often referred to as "full coverage." However, that phrase is confusing and 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 Hot Springs? Arkansas insurance law doesn't mandate it, but you may be required to carry Collision coverage if you're leasing or financing your car. 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. What if your vehicle isn't financed or leased? You can choose whether or not you buy Collision coverage! 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 Hot Springs, Collision coverage is easy to understand and affordable to get. We offer the protection you want, plus the great services you deserve. With us, you don't have to skip out on important coverages to try and make your insurance cheaper. We help you determine the best insurance for your needs and find ALL the discounts you're entitled to. It's a promise. Next, you have the opportunity to take your auto insurance to a whole new level of affordability by customizing the time and way 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 Hot Springs 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!