Looking for affordable Collision insurance in Pearl? Head towards your local Direct Auto & Life Insurance. Collision coverage isn't required by Mississippi law, but it can definitely come in handy after trouble on the road. 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! Could you pay to have it repaired? After you meet your deductible, Collision insurance will 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. Typical deductibles range from $100 to $1,500, but they vary by state and insurance company. Your Collision deductible is completely up to you. Usually, the higher the deductible, the lower the premium for Collision.
Keep in mind 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 vandalized, damaged by a natural disaster, or stolen, 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. That's why we avoid using that term at Direct Auto & Life Insurance. Instead, we use the precise policy and coverage terms to help explain the coverage you have.
Do all drivers need Collision coverage in Pearl? Mississippi 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 choose not to purchase Collision, your lender may purchase it for you and add it to your loan balance. 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 thought worries you, getting Collision coverage and a convenient deductible could prove valuable.
At Direct Auto & Life Insurance in Pearl, Collision insurance is easy and affordable to get. We have the on-the-road protection you want, plus the quality services you deserve. With us, there's no need to cut back on important coverages to try and save a buck. We help you determine the right insurance policy for your needs and find ALL the discounts you're entitled to. It's a promise. Next, you have the freedom to make your car insurance even more affordable by customizing how and when you pay. It doesn't matter whether you pay cash in-person or pay with a credit card, paying for Collision insurance in Pearl is hassle-free 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!