Looking for affordable Collision insurance in Columbia? Head towards 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. Let's say your car hits another object, like a guardrail, tree, street light, 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? 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. Deductibles vary by state and insurance company, but generally range from $100 to $1,500. Your Collision deductible is completely up to you. Usually, going with a high deductible is a good way to lower your premium for Collision coverage.
Remember 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 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 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.
Do all drivers need Collision coverage in Columbia? It isn't required by South Carolina insurance law, but you could be required to have Collision insurance if you're leasing or financing your car. If you choose not to purchase Collision, your lender might buy it for you and add it to your existing loan balance. This way 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, 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 thought gives you instant anxiety, getting Collision coverage and a convenient deductible could prove valuable.
At Direct Auto & Life Insurance in Columbia, Collision coverage is easy to understand 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'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. After that, you have the opportunity to take your auto insurance to a whole new level of affordability by customizing how and when you pay. It doesn't matter whether you pay cash in-person or pay with a credit card, staying on top of policy payments and your Collision coverage in Columbia is simple 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!