Looking for affordable Collision insurance in Fort Myers? Look no further than your nearest Direct Auto & Life Insurance. Collision coverage may not be required by Florida law, but it can be extremely helpful when run into trouble while driving. Let's say your car hits another object, like a stop sign, tree, guardrail, or pothole. Or if it flips in an accident! Do you have enough cash on hand to get it fixed up? Meet your deductible and then your Collision coverage will kick in to help 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. Deductibles vary by state and insurance company, but generally range from $100 to $1,500. The Collision deductible you choose is up to you. In general, the higher the deductible you choose, the lower your premium for Collision coverage will be.
Note that Collision insurance won't pay for every scenario that results in damage to your vehicle. 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 cover the cost of having your car replaced or repaired. Collectively, Comprehensive and Collision are often referred to as "full coverage." However, that phrasing means different things to different people, and it can be downright confusing. At Direct Auto & Life Insurance we avoid using that term and will use the precise policy and coverage terms to describe the coverages you have.
Do I need Collision coverage in Fort Myers? Florida insurance law doesn't mandate it, but you may be required to carry Collision coverage [marketing-content-p4-3] but you could be required to have Collision insurance if your vehicle is financed or leased. If you decide not to get Collision, your lender might buy it for you and add it to your existing loan balance. This way can carry a higher price tag than if you bought Collision insurance on your own. What if your vehicle isn't financed or leased? Then getting Collision coverage is your choice! 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 idea troubles you, saying yes to Collision coverage and a workable deductible may be worthwhile.
At Direct Auto & Life Insurance in Fort Myers, Collision coverage is easy to understand and affordable to get. We offer the 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 best insurance for your needs and identify every discount you're entitled to. We promise! From there, you can make your car insurance feel even more affordable (and manageable) 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, making policy payments and maintaining Collision coverage in Fort Myers 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!