Collision Coverage

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Searching for affordable Collision insurance in Laurens? Look no further than your nearby 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 stop sign, tree, guardrail, or pothole. Or if it's 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 car, truck, 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 amount is your choice. In general, 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 damaged by a natural disaster, stolen, or vandalized, Comprehensive coverage will help pay for your vehicle to be repaired or replaced. When combined, Comprehensive and Collision are often referred to as "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 I need Collision coverage in Laurens? It isn't required by South Carolina insurance law, but you might be required to carry Collision insurance if your vehicle is financed or leased. If you choose not to purchase Collision, your lender might buy it for you and add it to your existing loan balance. This route can carry a higher price tag than if you bought Collision insurance on your own. What if your vehicle isn't financed or leased? 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, getting Collision insurance and a manageable deductible might be worth it.

At Direct Auto & Life Insurance in Laurens, Collision coverage is easy and affordable to get. We offer the 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 insurance 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 your payment schedule and choosing how you want to pay. Whether you pay by credit card, check, or cash, staying on top of policy payments and your Collision coverage in Laurens 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!

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