Searching for affordable Collision insurance in Orangeburg? Head towards your nearest Direct Auto & Life Insurance. Collision coverage isn't required by South Carolina law, but it can definitely come in handy after trouble on the road. Let's say your car hits 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 truck, car, 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. Standard deductibles are between $100 and $1,500, though they vary by insurance company and state. Your Collision deductible amount is your choice. In general, the higher the deductible you choose, the lower your premium for Collision coverage will be.
Remember that Collision insurance won't pay for every scenario that results in damage to your vehicle. That's why Collision coverage is almost always paired with Comprehensive, which also has a deductible. If your car is vandalized, damaged by a natural disaster, or stolen, Comprehensive coverage will help cover the cost of having your car replaced or repaired. Collectively, Comprehensive and Collision are often labeled "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.
Do all drivers need Collision coverage in Orangeburg? South Carolina insurance law doesn't mandate it, but you might be required to carry 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 path 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, give some thought to the age of your vehicle. How much is it worth? Would you be comfortable paying for it to be replaced or repaired on your own? If that thought worries you, getting Collision coverage and a workable deductible may be worthwhile.
At Direct Auto & Life Insurance in Orangeburg, Collision insurance is easy to understand and affordable to get. We have the on-the-road protection you want, plus the quality 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 insurance for your needs and identify every discount you're entitled to. We promise! From there, you have the opportunity to take your auto insurance to a whole new level of affordability by customizing the time and way you pay. Whether it's by cash, credit card, or check, paying for Collision insurance in Orangeburg is hassle-free 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!