Looking for low cost Collision coverage in Orangeburg? 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. Think about what would happen if your car collided with 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? 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 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.
Note that Collision coverage does not cover every situation that leads to 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. Together, 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 I need Collision coverage in Orangeburg? South Carolina insurance law doesn't mandate it, but you may be required to carry Collision coverage [marketing-content-p4-3] but you could be required to have Collision insurance if your car is leased or financed. If you don't buy Collision, your lender may purchase it for you and add it to your loan balance. This way can carry a higher price tag than if you bought Collision insurance on your own. What if your vehicle isn't financed or leased? Then getting Collision coverage is your choice! 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 thought gives you instant anxiety, getting Collision insurance and a manageable deductible might be worth it.
Here at Direct Auto & Life Insurance in Orangeburg, Collision coverage is affordable to get and easy to understand. We offer the solid protection you need, plus the quality services you deserve. There's no need to pass up essential coverage to try and save money. We'll help you put together the right insurance policy for your needs and identify every discount you're entitled to. We promise! From there, you can make your car insurance feel even more affordable (and manageable) by customizing how and when you pay. Whether you pay by credit card, check, or cash, staying on top of policy payments and your Collision coverage in Orangeburg is simple with Direct Auto & Life! Stop by your neighborhood location or call 1-877-GO-DIRECT (1-877-463-4732) to learn more about Collision coverage!