Looking for affordable Collision insurance in College Park? Head towards your local Direct Auto & Life Insurance. While Georgia law does not require drivers to have Collision coverage, it can still be beneficial to have. Think about what would happen if your car collided with another object, like a guardrail, tree, street light, or pothole. Or if it's hit by a "hit and run" driver! Could you pay to have it repaired? After you meet your deductible, Collision insurance will pay for your car, truck, 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. Deductibles vary by state and insurance company, but generally range from $100 to $1,500. Your Collision deductible amount is your choice. In general, the higher the deductible, the lower the premium for Collision.
Keep in mind that Collision coverage doesn't cover every situation that results in damage to your car. 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 pay for your vehicle to be repaired or replaced. When combined, 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. We avoid using that term at Direct Auto & Life Insurance, and choose to use the precise policy and coverage terms to explain your coverages.
Do I need Collision coverage in College Park? Georgia insurance law doesn't mandate it, but you may be required to carry Collision coverage if you're leasing or financing your car. If you decide not to get Collision, your lender may buy it for you and tack it on to your loan. This route can be more expensive than if you purchase Collision insurance on your own. What if you don't have a loan on your vehicle? Then getting Collision coverage is your choice! 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 idea troubles you, getting Collision insurance and a convenient deductible could prove valuable.
At Direct Auto & Life Insurance in College Park, Collision insurance is easy and affordable to get. We have the on-the-road 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! Next, you have the freedom to make your car insurance even more affordable 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 College Park is easy 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!