Looking for affordable Collision insurance in Madison? Come to 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, 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? Once you meet your deductible, Collision coverage will help pay for your car, truck, or motorcycle 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. Your Collision deductible is completely up to you. Usually, 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 goes hand-in-hand with Comprehensive, which has a deductible as well. If your car is damaged by a natural disaster, stolen, or vandalized, Comprehensive coverage will help pay for your vehicle to be repaired or replaced. Collectively, Comprehensive and Collision are often labeled "full coverage." However, that phrasing means different things to different people, and it can be downright confusing. 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.
Who needs Collision coverage in Madison? Georgia insurance law doesn't mandate it, but you might be required to carry Collision insurance if your vehicle is financed or leased. If you decide not to get Collision, your lender might buy it for you and add it to your existing loan balance. This way can be more expensive than if you purchase 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 idea troubles you, getting Collision insurance and a convenient deductible could prove valuable.
At Direct Auto & Life Insurance in Madison, Collision coverage is easy to understand and affordable to get. We offer the protection you want, plus the great services you deserve. There's no need to pass up essential coverage to try and save money. We'll help you put together the right insurance policy for your needs and find ALL the discounts you're entitled to. It's a promise. From there, you can make your car insurance feel even more affordable (and manageable) by customizing how and when you pay. Whether you pay by credit card, check, or cash, staying on top of policy payments and your Collision coverage in Madison 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!