Need low cost Collision coverage in Clermont? 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. Let's say your car hits another object, like a tree, light post, big pothole, or guardrail. Or if it's hit by a "hit and run" driver! Could you pay to have it repaired? Once you meet your deductible, Collision coverage will help 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. Typical deductibles range from $100 to $1,500, but they vary by state and insurance company. Your Collision deductible amount is your choice. Usually, going with a high deductible is a good way to lower your premium for Collision coverage.
Keep in mind that Collision coverage doesn't cover every situation that results in damage to your car. That's why Collision coverage is almost always paired with Comprehensive, which also has 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. Together, Collision and Comprehensive are often called "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.
Do all drivers need Collision coverage in Clermont? It's not mandated by Florida insurance law, but you could be required to have Collision insurance if your car is leased or financed. If you don't buy 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. No car loan? Buying Collision coverage is up to you! 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, getting Collision coverage and a manageable deductible might be worth it.
At Direct Auto & Life Insurance in Clermont, Collision insurance is easy and affordable to get. We offer the protection you want, plus the excellent customer service 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. After that, you have the freedom to make your car insurance even more affordable by customizing your payment schedule and choosing how you want to pay. Whether it's by cash, credit card, or check, paying for Collision insurance in Clermont is hassle-free 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!