Looking for cheap Collision insurance in Casselberry? Head towards your nearby Direct Auto & Life Insurance. Collision coverage isn't required by Florida 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 stop sign, tree, guardrail, or pothole. 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 truck, car, or motorcycle to be repaired or replaced.
A deductible is the amount of money you have to pay toward repairs before your insurance covers the rest. Deductibles vary by state and insurance company, but generally range from $100 to $1,500. Your Collision deductible amount is your choice. In general, the higher the deductible you choose, the lower your premium for Collision coverage will be.
Keep in mind that Collision coverage does not cover every situation that leads to damage to your vehicle. That's why Collision coverage goes hand-in-hand with Comprehensive, which has a deductible as well. If your car is vandalized, damaged by a natural disaster, or stolen, Comprehensive coverage will help cover the cost of having your car replaced or repaired. Collectively, Collision and Comprehensive are often called "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.
Who needs Collision coverage in Casselberry? It's not mandated by Florida insurance law, but you might be required to carry Collision insurance if your car is leased or financed. If you decide not to get 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. No car loan? Then getting Collision coverage is your choice! 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 thought gives you instant anxiety, getting Collision insurance and a manageable deductible might be worth it.
At Direct Auto & Life Insurance in Casselberry, Collision coverage is affordable to get and easy to understand. We offer the solid protection you need, plus the quality 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. Whether you pay by credit card, check, or cash, paying for Collision insurance in Casselberry is hassle-free 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!