Looking for affordable Collision insurance in Clearwater? Look no further than 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? After you meet your deductible, Collision insurance will pay for your motorcycle, truck, or car to be repaired or replaced.
A car insurance deductible is what you pay to repair your car if you have an accident or claim. 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, going with a high deductible is a good way to lower your premium for Collision coverage.
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 vandalized, damaged by a natural disaster, or stolen, Comprehensive coverage will help cover the cost of having your car replaced or repaired. Collectively, Comprehensive and Collision are often labeled "full coverage." However, that terminology can be misleading and often means different things to different people. That's why we avoid using that term at Direct Auto & Life Insurance. Instead, we use the precise policy and coverage terms to help explain the coverage you have.
Do I need Collision coverage in Clearwater? Florida insurance law doesn't mandate it, but you might be required to carry Collision insurance if you're leasing or financing your car. If you don't buy Collision, your lender may purchase it for you and add it to your loan balance. This route can be pricier than if you buy Collision coverage on your own. What if your vehicle isn't financed or leased? Then getting Collision coverage is your choice! Before nixing it, give some thought to the age of your car and whether you'd be able to pay for repairs or replacement out of your own pocket. If that thought worries you, saying yes to Collision coverage and a manageable deductible might be worth it.
Here at Direct Auto & Life Insurance in Clearwater, Collision coverage is easy 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 best insurance for your needs and identify every discount you're entitled to. We promise! Next, you have the freedom to make your car insurance even more affordable 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, staying on top of policy payments and your Collision coverage in Clearwater is simple with Direct Auto & Life! Visit your nearby office or call 1-877-GO-DIRECT (1-877-463-4732) to get all the facts on Collision insurance coverage today!