Searching for low cost Collision coverage in Brooksville? Look no further than your nearby Direct Auto & Life Insurance. While Florida law does not require drivers to have Collision coverage, it can still be beneficial to have. Think about what would happen if your car collided with another object, like a stop sign, tree, guardrail, or pothole. Or if it's hit by a "hit and run" driver! Would you have enough money to get it fixed? After you meet your deductible, Collision insurance will 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. Standard deductibles are between $100 and $1,500, though they vary by insurance company and state. 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. 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 to have your vehicle replaced or repaired. Together, Comprehensive and Collision are often referred to as "full coverage." However, that phrasing means different things to different people, and it can be downright confusing. We avoid using that term at Direct Auto & Life Insurance, and choose to use the precise policy and coverage terms to explain your coverages.
Who needs Collision coverage in Brooksville? Florida insurance law doesn't mandate it, but you may be required to carry Collision coverage [marketing-content-p4-3] 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 be pricier than if you buy Collision coverage on your own. No car loan? 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, saying yes to Collision coverage and a convenient deductible could prove valuable.
At Direct Auto & Life Insurance in Brooksville, Collision insurance is easy to understand and affordable to get. We have the on-the-road 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 identify the best policy 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. Whether it's by cash, credit card, or check, making policy payments and maintaining Collision coverage in Brooksville 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!