Looking for cheap Collision insurance in Greenville? Come to 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. Let's say your car hits another object, like a tree, light post, big pothole, or guardrail. Or if it's hit by a "hit and run" driver! Could you pay to have it repaired? Once you meet your deductible, Collision coverage will 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. 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. Usually, the higher the deductible, the lower the premium for Collision.
Remember that Collision insurance won't pay for every scenario that results in 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 vandalized, damaged by a natural disaster, or stolen, Comprehensive coverage will help pay to have your vehicle replaced or repaired. Together, Collision and Comprehensive are often called "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 Greenville? It's not mandated by Mississippi insurance law, but you might be required to carry Collision insurance if your car is leased or financed. If you don't buy Collision, your lender may buy it for you and tack it on to your loan. This way can carry a higher price tag than if you bought Collision insurance 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 idea troubles you, saying yes to Collision coverage and a manageable deductible might be worth it.
Here at Direct Auto & Life Insurance in Greenville, Collision coverage is easy to understand and affordable to get. We offer the solid protection you need, plus the quality 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 identify every discount you're entitled to. We promise! From there, you have the opportunity to take your auto insurance to a whole new level of affordability 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 Greenville 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!