Need cheap Collision insurance in Cleveland? Head towards your nearby Direct Auto & Life Insurance. While Mississippi law does not require drivers to have Collision coverage, it can still be beneficial to have. Let's say your car hits another object, like a guardrail, tree, street light, 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 motorcycle, truck, or car 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. Standard deductibles are between $100 and $1,500, though they vary by insurance company and state. Your Collision deductible is completely up to you. Generally speaking, the higher the deductible, the lower the premium for Collision.
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 cover the cost of having your car replaced or repaired. Together, Collision and Comprehensive are often called "full coverage." However, that phrase is confusing and 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 Cleveland? It's not mandated by Mississippi insurance law, but you might be required to carry Collision insurance if your vehicle is financed or leased. If you choose not to purchase Collision, your lender might buy it for you and add it to your existing loan balance. This path can be pricier than if you buy Collision coverage on your own. No car loan? Then getting Collision coverage is your choice! 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 worries you, getting Collision coverage and a manageable deductible might be worth it.
At Direct Auto & Life Insurance in Cleveland, Collision insurance is easy to understand and affordable to get. We have the on-the-road protection you want, plus the quality services you deserve. There's no need to pass up essential coverage to try and save money. We help you determine the best policy for your needs and find every discount you're eligible for. That's our promise! From there, you have the freedom to make your car insurance even more affordable 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 Cleveland 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!