Searching for low cost Collision coverage in Pearl? Look no further than 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 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? After you meet your deductible, Collision insurance will 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. Typical deductibles range from $100 to $1,500, but they vary by state and insurance company. 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. 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 labeled "full coverage." However, that phrase is confusing and means different things to different people. 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.
Who needs Collision coverage in Pearl? Mississippi insurance law doesn't mandate it, but you might be required to carry Collision insurance if you're leasing or financing your car. If you don't buy 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. What if you don't have a loan on your vehicle? Buying Collision coverage is up to you! Before going without it, give some thought to the age of your vehicle. How much is it worth? Would you be comfortable paying for it to be replaced or repaired on your own? If that idea troubles you, getting Collision coverage and a workable deductible may be worthwhile.
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 great services you deserve. There's no need to pass up essential coverage to try and save money. We help you determine the right insurance policy for your needs and find every discount you're eligible for. That's our promise! From there, you can make your car insurance feel even more affordable (and manageable) by customizing how and when you pay. Whether it's by cash, credit card, or check, paying for Collision insurance in Pearl is hassle-free 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!