Searching for affordable Collision insurance in North Fort Myers? Look no further than your nearby 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 tree, light post, big pothole, or guardrail. 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 motorcycle, truck, or car to be repaired or replaced.
A car insurance deductible is what you pay to repair your car if you have an accident or claim. Typical deductibles range from $100 to $1,500, but they vary by state and insurance company. Your Collision deductible amount is your choice. Generally speaking, the higher the deductible you choose, the lower your premium for Collision coverage will be.
Note 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. Together, Comprehensive and Collision are often labeled "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 North Fort Myers? It's not mandated by Florida insurance law, but you might be required to carry Collision insurance if you're leasing or financing your car. If you don't buy Collision, your lender may purchase it for you and add it to your loan balance. This way 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? 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 North Fort Myers, Collision coverage is easy 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 help you identify the right insurance policy for your needs and find ALL the discounts you're entitled to. It's a promise. After that, you can make your car insurance feel even more affordable (and manageable) by customizing how and when you pay. Whether it's by cash, credit card, or check, staying on top of policy payments and your Collision coverage in North Fort Myers 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!