Looking for low cost Collision coverage in Spartanburg? Head towards 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. 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? Meet your deductible and then your Collision coverage will kick in to help 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. Standard deductibles are between $100 and $1,500, though they vary by insurance company and state. Your Collision deductible is completely up to you. Usually, going with a high deductible is a good way to lower your premium for Collision coverage.
Keep in mind that Collision coverage doesn't cover every situation that results in damage to your car. That's why Collision coverage goes hand-in-hand with Comprehensive, which has a deductible as well. If your car is vandalized, damaged by a natural disaster, or stolen, Comprehensive coverage will help pay for your vehicle to be repaired or replaced. When combined, Comprehensive and Collision are often labeled "full coverage." However, that phrase is confusing and 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 Spartanburg? South Carolina insurance law doesn't mandate it, but you might be required to carry Collision insurance if your car is leased or financed. If you don't buy Collision, your lender may buy it for you and tack it on to your loan. This path can be more expensive than if you purchase Collision insurance on your own. No car loan? 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 idea troubles you, getting Collision coverage and a workable deductible may be worthwhile.
At Direct Auto & Life Insurance in Spartanburg, Collision insurance is easy to understand and affordable to get. We offer the solid protection you need, plus the quality services 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 right insurance policy for your needs and find ALL the discounts you're entitled to. It's a promise. After that, 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, paying for Collision insurance in Spartanburg is hassle-free 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!