Searching for affordable Collision insurance in Dania? Look no further than your local 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 stop sign, tree, guardrail, or pothole. Or if it flips in an accident! Would you have enough money to get it fixed? After you meet your deductible, Collision insurance will pay for your motorcycle, truck, or car to be repaired or replaced.
A deductible is the amount of money you have to pay toward repairs before your insurance covers the rest. 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, the higher the deductible, the lower the premium for Collision.
Note that Collision insurance won't pay for every scenario that results in 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 pay to have your vehicle replaced or repaired. Together, Collision and Comprehensive are often called "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 Dania? Florida insurance law doesn't mandate it, but you might be required to carry Collision insurance if your vehicle is financed or leased. If you decide not to get Collision, your lender may purchase it for you and add it to your loan balance. This path can be pricier than if you buy Collision coverage on your own. What if you don't have a loan on your vehicle? Buying Collision coverage is up to you! 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 worries you, getting Collision coverage and a workable deductible may be worthwhile.
Here at Direct Auto & Life Insurance in Dania, Collision coverage is affordable to get and easy to understand. We have the on-the-road protection you want, plus the excellent customer service you deserve! There's no need to pass up essential coverage to try and save money. We help you identify the right insurance policy for your needs and find every discount you're eligible for. That's our promise! Next, you can make your car insurance feel even more affordable (and manageable) by customizing the time and way you pay. Whether you pay by credit card, check, or cash, paying for Collision insurance in Dania is hassle-free 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!