Looking for cheap Collision insurance in Deerfield Beach? 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 tree, light post, big pothole, or guardrail. Or if it flips in an accident! Could you pay to have it repaired? Once you meet your deductible, Collision coverage will help pay for your car, truck, 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. Standard deductibles are between $100 and $1,500, though they vary by insurance company and state. Your Collision deductible amount is your choice. Usually, the higher the deductible you choose, the lower your premium for Collision coverage will be.
Keep in mind 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 stolen, vandalized, or damaged by a natural disaster, Comprehensive coverage will help pay for your vehicle to be repaired or replaced. Collectively, Comprehensive and Collision are often referred to as "full coverage." However, that phrase is confusing and 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 Deerfield Beach? 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 choose not to purchase 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? You can choose whether or not you buy Collision coverage! 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 idea troubles you, getting Collision insurance and a workable deductible may be worthwhile.
At Direct Auto & Life Insurance in Deerfield Beach, 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'll help you put together the right insurance policy for your needs and find ALL the discounts you're entitled to. It's a 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. Whether you pay by credit card, check, or cash, paying for Collision insurance in Deerfield Beach 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!