Looking for low cost Collision coverage in Florence? Look no further than your nearby Direct Auto & Life Insurance. While South 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 guardrail, tree, street light, or pothole. Or if it flips in an accident! Would you have enough money to get it fixed? 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 have to pay toward repairs before your insurance covers the rest. Standard deductibles are between $100 and $1,500, though they vary by insurance company and state. The Collision deductible you choose is up to you. Generally speaking, going with a high deductible is a good way to lower your premium for Collision coverage.
Remember that Collision coverage doesn't cover every situation that results in damage to your car. Collision coverage is almost always purchased alongside Comprehensive for this very reason. It also carries a deductible. If your car is vandalized, damaged by a natural disaster, or stolen, Comprehensive coverage will help pay to have your vehicle replaced or repaired. When combined, Comprehensive and Collision are often labeled "full coverage." However, that phrasing means different things to different people, and it can be downright confusing. We avoid using that term at Direct Auto & Life Insurance, and choose to use the precise policy and coverage terms to explain your coverages.
Do all drivers need Collision coverage in Florence? 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 decide not to get Collision, your lender may buy it for you and tack it on to your loan. This path can be more expensive than if you purchase Collision insurance on your own. No car loan? Buying Collision coverage is up to you! 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 idea troubles you, saying yes to Collision coverage and a convenient deductible could prove valuable.
Here at Direct Auto & Life Insurance in Florence, Collision coverage is affordable to get and easy to understand. We have the on-the-road protection you want, plus the quality services you deserve. There's no need to pass up essential coverage to try and save money. We help you identify the best policy for your needs and find every discount you're eligible for. That's our promise! After that, you have the opportunity to take your auto insurance to a whole new level of affordability by customizing your payment schedule and choosing how you want to pay. It doesn't matter whether you pay cash in-person or pay with a credit card, paying for Collision insurance in Florence is hassle-free with Direct Auto & Life! Visit your nearby office or call 1-877-GO-DIRECT (1-877-463-4732) to get all the facts on Collision insurance coverage today!