Need affordable Collision insurance in Springdale? Come to your nearest 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! Could you pay to have it repaired? Meet your deductible and then your Collision coverage will kick in to help pay for your motorcycle, truck, or car 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. The Collision deductible you choose is up to you. Generally speaking, the higher the deductible you choose, the lower your premium for Collision coverage will be.
Remember that Collision coverage doesn't cover every situation that results in damage to your car. 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 cover the cost of having your car replaced or repaired. Together, Collision and Comprehensive are often called "full coverage." However, that phrase is confusing and means different things to different people. 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.
Who needs Collision coverage in Springdale? Arkansas insurance law doesn't mandate it, but you may be required to carry Collision coverage if your car is leased or financed. If you don't buy Collision, your lender may purchase it for you and add it to your loan balance. This way can carry a higher price tag than if you bought Collision insurance on your own. What if you don't have a loan on your vehicle? You can choose whether or not you buy Collision coverage! 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, getting Collision coverage and a convenient deductible could prove valuable.
Here at Direct Auto & Life Insurance in Springdale, Collision coverage is easy and affordable to get. We offer the solid protection you need, plus the excellent customer service 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 policy for your needs and find every discount you're eligible for. That's our promise! From there, you have the opportunity to take your auto insurance to a whole new level of affordability by customizing your payment schedule and choosing how you want to 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 Springdale is easy 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!