Looking for cheap Collision insurance in Rogers? Look no further than your local 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 guardrail, tree, street light, or pothole. Or if it flips in an accident! Would you have enough money to get it fixed? Once you meet your deductible, Collision coverage will help pay for your truck, car, 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 is completely up to you. Usually, the higher the deductible you choose, the lower your premium for Collision coverage will be.
Note that Collision insurance won't pay for every scenario that results in damage to your vehicle. That's why Collision coverage is almost always paired with Comprehensive, which also has 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. Collectively, Comprehensive and Collision are often labeled "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 Rogers? It isn't required by Arkansas insurance law, but you could be required to have Collision insurance if you're leasing or financing your car. If you decide not to get Collision, your lender may purchase it for you and add it to your loan balance. This path can be more expensive than if you purchase Collision insurance on your own. What if your vehicle isn't financed or leased? Buying Collision coverage is up to you! Before going without it, though, think about the age of your vehicle and whether you would feel comfortable paying for it to be repaired or replaced out of your own pocket. If that idea troubles you, getting Collision coverage and a convenient deductible could prove valuable.
Here at Direct Auto & Life Insurance in Rogers, Collision coverage is affordable to get and easy to understand. We offer the protection you want, plus the quality 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 right insurance policy for your needs and find ALL the discounts you're entitled to. It's a promise. From there, you can make your car insurance feel even more affordable (and manageable) by customizing the time and way you pay. Whether it's by cash, credit card, or check, staying on top of policy payments and your Collision coverage in Rogers 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!