Need affordable Collision insurance in Clarksdale? Head towards your local Direct Auto & Life Insurance. Collision coverage may not be required by Mississippi law, but it can be extremely helpful when run into trouble while driving. Think about what would happen if your car collided with another object, like a stop sign, tree, guardrail, or pothole. Or if it's hit by a "hit and run" driver! Do you have enough cash on hand to get it fixed up? Meet your deductible and then your Collision coverage will kick in to help 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. Standard deductibles are between $100 and $1,500, though they vary by insurance company and state. The Collision deductible you choose is up to you. In general, 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. Collision coverage is almost always purchased alongside Comprehensive for this very reason. It also carries a deductible. If your car is damaged by a natural disaster, stolen, or vandalized, Comprehensive coverage will help cover the cost of having your car replaced or repaired. Together, Comprehensive and Collision are often referred to as "full coverage." However, that phrase is confusing and means different things to different people. 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 Clarksdale? Mississippi insurance law doesn't mandate it, but you may be required to carry Collision coverage 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 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? 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 thought gives you instant anxiety, getting Collision insurance and a workable deductible may be worthwhile.
At Direct Auto & Life Insurance in Clarksdale, Collision insurance is easy to understand and affordable to get. We offer the solid protection you need, 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 best 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 how and when 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 Clarksdale 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!