Need low cost Collision coverage in Deland? Look no further than your nearest 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, it flips in an accident or is hit by a "hit and run" driver. Would you have enough money to get it fixed? Meet your deductible and then your Collision coverage will kick in to help pay for your truck, car, or motorcycle to be repaired or replaced.
A car insurance deductible is what you pay to repair your car if you have an accident or claim. Deductibles vary by state and insurance company, but generally range from $100 to $1,500. Your Collision deductible amount is your choice. Usually, the higher the deductible, the lower the premium for Collision.
Remember that Collision insurance won't pay for every scenario that results in damage to your vehicle. That's why Collision coverage is almost always paired with Comprehensive, which also has a deductible. If your car is stolen, vandalized, or damaged by a natural disaster, Comprehensive coverage will help pay to have your vehicle replaced or repaired. Collectively, Comprehensive and Collision are often labeled "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.
Who needs Collision coverage in Deland? It isn't required by Florida insurance law, but you may be required to carry Collision coverage if you're leasing or financing your car. If you decide not to get Collision, your lender may buy it for you and tack it on to your loan. This route 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 going without it, give some thought to the age of your vehicle. How much is it worth? Would you be comfortable paying for it to be replaced or repaired on your own? If that thought worries you, getting Collision coverage and a workable deductible may be worthwhile.
At Direct Auto & Life Insurance in Deland, 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'll help you put together 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 it's by cash, credit card, or check, making policy payments and maintaining Collision coverage in Deland is easy 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!