Searching for low cost Collision coverage in Greenwood? Look no further than your local 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. Imagine that your car runs into 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? After you meet your deductible, Collision insurance will pay for your motorcycle, truck, or car to be repaired or replaced.
A car insurance deductible is what you pay to repair your car if you have an accident or claim. 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. Usually, the higher the deductible, the lower the premium for Collision.
Keep in mind that Collision insurance won't pay for every scenario that results in damage to your vehicle. That's why Collision coverage goes hand-in-hand with Comprehensive, which has a deductible as well. If your car is damaged by a natural disaster, stolen, or vandalized, Comprehensive coverage will help pay to have your vehicle replaced or repaired. Collectively, Collision and Comprehensive are often called "full coverage." However, that phrase is confusing and means different things to different people. We avoid using that term at Direct Auto & Life Insurance, and choose to use the precise policy and coverage terms to explain your coverages.
Who needs Collision coverage in Greenwood? 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 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 gives you instant anxiety, saying yes to Collision coverage and a convenient deductible could prove valuable.
At Direct Auto & Life Insurance in Greenwood, Collision insurance is easy and affordable to get. We have the on-the-road protection you want, plus the excellent customer service you deserve! With us, you don't have to skip out on important coverages to try and make your insurance cheaper. We help you identify 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 you pay by credit card, check, or cash, staying on top of policy payments and your Collision coverage in Greenwood is simple 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!