Collision Coverage

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Looking for low cost Collision coverage in Charlotte? Head towards your nearest Direct Auto & Life Insurance. While North Carolina law does not require drivers to have Collision coverage, it can still be beneficial to have. Imagine that your car runs into another object, like a stop sign, tree, guardrail, or pothole. Or if it flips in an accident! Do you have enough cash on hand to get it fixed up? 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 amount is your choice. In general, 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. That's why Collision coverage is almost always paired with Comprehensive, which also has a deductible. If your car is damaged by a natural disaster, stolen, or vandalized, Comprehensive coverage will help pay for your vehicle to be repaired or replaced. Collectively, Collision and Comprehensive are often called "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 Charlotte? It's not mandated by North Carolina insurance law, but you may be required to carry Collision coverage [marketing-content-p4-3] but you could be required to have Collision insurance if you're leasing or financing your car. If you don't buy Collision, your lender may purchase it for you and add it to your loan balance. This path can be more expensive than if you purchase Collision insurance on your own. What if your vehicle isn't financed or leased? Buying Collision coverage is up to you! 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 idea troubles you, saying yes to Collision coverage and a manageable deductible might be worth it.

At Direct Auto & Life Insurance in Charlotte, Collision coverage is easy to understand and affordable to get. We offer the solid protection you need, 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'll help you put together the right insurance policy for your needs and find ALL the discounts you're entitled to. It's a promise. From there, you can make your car insurance feel even more affordable (and manageable) by customizing your payment schedule and choosing how you want to pay. Whether you pay by credit card, check, or cash, making policy payments and maintaining Collision coverage in Charlotte 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!

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