Looking for low cost Collision coverage in Walterboro? Look no further than 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. Think about what would happen if your car collided with another object, like a stop sign, tree, guardrail, or pothole. Or, it flips in an accident or is hit by a "hit and run" driver. Could you pay to have it repaired? 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. Deductibles vary by state and insurance company, but generally range from $100 to $1,500. Your Collision deductible is completely up to you. Usually, the higher the deductible, the lower the premium for Collision.
Keep in mind that Collision coverage doesn't cover every situation that results in damage to your car. That's why Collision coverage is almost always paired with Comprehensive, which also has 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. Together, Comprehensive and Collision are often referred to as "full coverage." However, that phrasing means different things to different people, and it can be downright confusing. 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 Walterboro? It's not mandated by South Carolina insurance law, but you might be required to carry Collision insurance if you're leasing or financing your car. If you don't buy Collision, your lender may buy it for you and tack it on to your loan. This route can be more expensive than if you purchase Collision insurance on your own. No car loan? Buying Collision coverage is up to you! 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 gives you instant anxiety, getting Collision insurance and a workable deductible may be worthwhile.
At Direct Auto & Life Insurance in Walterboro, Collision coverage is easy and affordable to get. We offer the solid protection you need, plus the great services you deserve. With us, you don't have to skip out on important coverages to try and make your insurance cheaper. We'll help you put together the right insurance policy 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 it's by cash, credit card, or check, staying on top of policy payments and your Collision coverage in Walterboro is simple 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!