Looking for low cost Collision coverage in Burlington? Come to your nearby Direct Auto & Life Insurance. Collision coverage may not be required by North Carolina law, but it can be extremely helpful when run into trouble while driving. Imagine that your car runs into another object, like a stop sign, tree, guardrail, or pothole. Or, it flips in an accident or is hit by a "hit and run" driver. Do you have enough cash on hand to get it fixed up? Once you meet your deductible, Collision coverage will help pay for your truck, car, 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. Your Collision deductible is completely up to you. Usually, the higher the deductible you choose, the lower your premium for Collision coverage will be.
Remember that Collision coverage does not cover every situation that leads to 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 cover the cost of having your car replaced or repaired. Collectively, Collision and Comprehensive are often called "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 Burlington? It's not mandated by North Carolina insurance law, but you may be required to carry Collision coverage if your vehicle is financed or leased. If you choose not to purchase Collision, your lender may buy it for you and tack it on to your loan. This route can be more expensive than if you purchase Collision insurance on your own. No car loan? You can choose whether or not you buy Collision coverage! 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 gives you instant anxiety, saying yes to Collision coverage and a workable deductible may be worthwhile.
At Direct Auto & Life Insurance in Burlington, Collision coverage is easy to understand and affordable to get. We offer the protection you want, plus the quality 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 determine the right insurance policy for your needs and find ALL the discounts you're entitled to. It's a promise. From there, you have the opportunity to take your auto insurance to a whole new level of affordability by customizing how and when you pay. Whether you pay by credit card, check, or cash, paying for Collision insurance in Burlington 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!