Need cheap Collision insurance in West Memphis? Look no further than your nearest Direct Auto & Life Insurance. Collision coverage isn't required by Arkansas law, but it can definitely come in handy after trouble on the road. Think about what would happen if your car collided with another object, like a guardrail, tree, street light, or pothole. Or if it flips in an accident! 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 deductible is the amount of money you would pay out-of-pocket, up front for the damage to your vehicle. Standard deductibles are between $100 and $1,500, though they vary by insurance company and state. Your Collision deductible is completely up to you. Generally speaking, going with a high deductible is a good way to lower your premium for Collision coverage.
Remember that Collision coverage does not cover every situation that leads to 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 referred to as "full coverage." However, that terminology can be misleading and often 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 West Memphis? Arkansas insurance law doesn't mandate it, but you could be required to have Collision insurance if you're leasing or financing your car. If you choose not to purchase Collision, your lender may buy it for you and tack it on to your loan. This path can carry a higher price tag than if you bought 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, 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 thought worries you, getting Collision insurance and a convenient deductible could prove valuable.
Here at Direct Auto & Life Insurance in West Memphis, Collision coverage is easy to understand and affordable to get. We offer the protection you want, plus the great services you deserve. With us, there's no need to cut back on important coverages to try and save a buck. We help you identify the right insurance policy for your needs and find every discount you're eligible for. That's our promise! After that, you have the opportunity to take your auto insurance to a whole new level of affordability by customizing how and when you pay. Whether it's by cash, credit card, or check, staying on top of policy payments and your Collision coverage in West Memphis 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!