Need cheap Collision insurance in Greenwood? Look no further than your nearest Direct Auto & Life Insurance. While South Carolina law does not require drivers to have Collision coverage, it can still be beneficial to have. Think about what would happen if your car collided with another object, like a tree, light post, big pothole, or guardrail. Or if it's hit by a "hit and run" driver! Would you have enough money to get it fixed? 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 is completely 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. 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 pay for your vehicle to be repaired or replaced. Collectively, Comprehensive and Collision are often labeled "full coverage." However, that terminology can be misleading and often 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 Greenwood? South Carolina insurance law doesn't mandate it, 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 may buy it for you and tack it on to your loan. This way can be pricier than if you buy Collision coverage on your own. What if you don't have a loan on your vehicle? You can choose whether or not you buy Collision coverage! 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 insurance and a workable deductible may be worthwhile.
At Direct Auto & Life Insurance in Greenwood, Collision insurance is affordable to get and easy to understand. We offer the protection you want, plus the great services you deserve. There's no need to pass up essential coverage to try and save money. We help you determine the best policy for your needs and find ALL the discounts you're entitled to. It's a promise. Next, you have the freedom to make your car insurance even more affordable by customizing the time and way you pay. Whether it's by cash, credit card, or check, making policy payments and maintaining Collision coverage in Greenwood is easy 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!