Searching for low cost Collision coverage in Lancaster? 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. Let's say your car hits another object, like a tree, light post, big pothole, or guardrail. Or if it flips in an accident! 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 car insurance deductible is what you pay to repair your car if you have an accident or claim. Typical deductibles range from $100 to $1,500, but they vary by state and insurance company. Your Collision deductible is completely up to you. Generally speaking, the higher the deductible, the lower the premium for Collision.
Remember that Collision insurance won't pay for every scenario that results in 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 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 phrase is confusing and means different things to different people. 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 Lancaster? It isn't required by South Carolina insurance law, but you may be required to carry Collision coverage [marketing-content-p4-3] but you could be required to have Collision insurance if your vehicle is financed or leased. 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? Then getting Collision coverage is your choice! 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 idea troubles you, saying yes to Collision coverage and a manageable deductible might be worth it.
At Direct Auto & Life Insurance in Lancaster, Collision insurance is easy to understand and affordable to get. We have the on-the-road protection you want, plus the great services you deserve. With us, there's no need to cut back on important coverages to try and save a buck. We help you identify the best policy for your needs and identify every discount you're entitled to. We promise! Next, you have the freedom to make your car insurance even more affordable by customizing how and when you pay. Whether it's by cash, credit card, or check, making policy payments and maintaining Collision coverage in Lancaster 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!