Looking for low cost Collision coverage in Ocala? Head towards 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. Think about what would happen if your car collided with another object, like a guardrail, tree, street light, or pothole. Or if it flips in an accident! Could you pay to have it repaired? 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 deductible is the amount of money you would pay out-of-pocket, up front for the damage to your vehicle. Typical deductibles range from $100 to $1,500, but they vary by state and insurance company. The Collision deductible you choose is up to you. Generally speaking, going with a high deductible is a good way to lower your premium for Collision coverage.
Remember that Collision coverage doesn't cover every situation that results in damage to your car. That's why Collision coverage goes hand-in-hand with Comprehensive, which has a deductible as well. If your car is vandalized, damaged by a natural disaster, or stolen, Comprehensive coverage will help pay for your vehicle to be repaired or replaced. Together, 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. 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 Ocala? It's not mandated by Florida insurance law, 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 don't buy 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. What if you don't have a loan on your vehicle? You can choose whether or not you buy Collision coverage! Before going without it, though, think about the age of your vehicle and whether you would feel comfortable paying for it to be repaired or replaced out of your own pocket. If that thought worries you, saying yes to Collision coverage and a workable deductible may be worthwhile.
Here at Direct Auto & Life Insurance in Ocala, Collision coverage is easy to understand and affordable to get. We have the on-the-road protection you want, plus the excellent customer service you deserve! There's no need to pass up essential coverage to try and save money. We help you identify the right insurance policy 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 the time and way you pay. Whether it's by cash, credit card, or check, staying on top of policy payments and your Collision coverage in Ocala is simple with Direct Auto & Life! Call 1-877-GO-DIRECT (1-877-463-4732) or stop by your nearest location to learn more about Collision coverage today!