Looking for affordable Collision insurance in Charleston? Come to your nearest Direct Auto & Life Insurance. Collision coverage may not be required by South Carolina law, but it can be extremely helpful when run into trouble while driving. Think about what would happen if your car collided with 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? Meet your deductible and then your Collision coverage will kick in to help pay for your car, truck, 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. Deductibles vary by state and insurance company, but generally range from $100 to $1,500. Your Collision deductible amount is your choice. Generally speaking, the higher the deductible you choose, the lower your premium for Collision coverage will be.
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 stolen, vandalized, or damaged by a natural disaster, Comprehensive coverage will help pay for your vehicle to be repaired or replaced. Collectively, Comprehensive and Collision are often referred to as "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.
Do all drivers need Collision coverage in Charleston? It isn't required by South Carolina insurance law, 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 way can be pricier than if you buy Collision coverage on your own. No car loan? 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 thought worries you, getting Collision coverage and a workable deductible may be worthwhile.
At Direct Auto & Life Insurance in Charleston, Collision insurance is easy and affordable to get. We offer the protection you want, plus the excellent customer service you deserve! There's no need to pass up essential coverage to try and save money. We help you identify the right insurance policy for your needs and find every discount you're eligible for. That's our promise! From there, 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, making policy payments and maintaining Collision coverage in Charleston 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!