Looking for affordable Collision insurance in La Vernia? Head towards your local Direct Auto & Life Insurance. While Texas 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 tree, light post, big pothole, or guardrail. Or, it flips in an accident or is hit by a "hit and run" driver. Do you have enough cash on hand to get it fixed up? Once you meet your deductible, Collision coverage will 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. 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.
Note 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 stolen, vandalized, or damaged by a natural disaster, Comprehensive coverage will help pay for your vehicle to be repaired or replaced. When combined, Collision and Comprehensive are often called "full coverage." However, that phrasing means different things to different people, and it can be downright confusing. We avoid using that term at Direct Auto & Life Insurance, and choose to use the precise policy and coverage terms to explain your coverages.
Who needs Collision coverage in La Vernia? Texas 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 vehicle is financed or leased. If you don't buy Collision, your lender may purchase it for you and add it to your loan balance. This path can be pricier than if you buy Collision coverage on your own. What if your vehicle isn't financed or leased? Buying Collision coverage is up to you! 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 worries you, getting Collision coverage and a workable deductible may be worthwhile.
Here at Direct Auto & Life Insurance in La Vernia, Collision coverage is affordable to get and easy to understand. We offer the protection you want, plus the excellent customer service 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 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, staying on top of policy payments and your Collision coverage in La Vernia 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!