Looking for low cost Collision coverage in Fort Pierce? Come to your nearby Direct Auto & Life Insurance. Collision coverage isn't required by Florida law, but it can definitely come in handy after trouble on the road. 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. Do you have enough cash on hand to get it fixed up? 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. Deductibles vary by state and insurance company, but generally range from $100 to $1,500. The Collision deductible you choose is up to you. Usually, going with a high deductible is a good way to lower your premium for Collision coverage.
Remember that Collision coverage does not cover every situation that leads to 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 for your vehicle to be repaired or replaced. When combined, Comprehensive and Collision are often referred to as "full coverage." However, that terminology can be misleading and often 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 all drivers need Collision coverage in Fort Pierce? It isn't required by Florida insurance law, but you might be required to carry Collision insurance if you're leasing or financing your car. If you choose not to purchase Collision, your lender may purchase it for you and add it to your loan balance. This path can carry a higher price tag than if you bought Collision insurance on your own. What if your vehicle isn't financed or leased? You can choose whether or not you buy Collision coverage! 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 thought gives you instant anxiety, saying yes to Collision coverage and a manageable deductible might be worth it.
Here 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 determine the best insurance for your needs and identify every discount you're entitled to. We promise! After that, you have the freedom to make your car insurance even more affordable by customizing the time and way you pay. It doesn't matter whether you pay cash in-person or pay with a credit card, staying on top of policy payments and your Collision coverage in Fort Pierce is simple 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!