Need affordable Collision insurance in Fort Pierce? 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. Imagine that your car runs into another object, like a guardrail, tree, street light, or pothole. Or, it flips in an accident or is 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 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. 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.
Remember 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 vandalized, damaged by a natural disaster, or stolen, Comprehensive coverage will help pay to have your vehicle replaced or repaired. Together, Comprehensive and Collision are often referred to as "full coverage." However, that phrase is confusing and means different things to different people. 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 Pierce? It isn't required by Florida insurance law, but you may be required to carry Collision coverage if your car is leased or financed. If you don't buy Collision, your lender might buy it for you and add it to your existing loan balance. This route can carry a higher price tag than if you bought Collision insurance on your own. What if you don't have a loan on your vehicle? 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 idea troubles you, saying yes to Collision coverage and a convenient deductible could prove valuable.
At Direct Auto & Life Insurance in Fort Pierce, Collision coverage is easy and affordable to get. We offer the protection you want, 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 help you identify the best insurance for your needs and find ALL the discounts you're entitled to. It's a promise. From there, you have the opportunity to take your auto insurance to a whole new level of affordability by customizing the time and way you pay. It doesn't matter whether you pay cash in-person or pay with a credit card, paying for Collision insurance in Fort Pierce 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!