Need cheap Collision insurance in Roma? Head towards your nearby Direct Auto & Life Insurance. Collision coverage isn't required by Texas law, but it can definitely come in handy after trouble on the road. Think about what would happen if your car collided with another object, like a stop sign, tree, guardrail, or pothole. Or if it flips in an accident! Would you have enough money to get it fixed? 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. Typical deductibles range from $100 to $1,500, but they vary by state and insurance company. Your Collision deductible amount is your choice. Usually, going with a high deductible is a good way to lower your premium for Collision coverage.
Keep in mind 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 damaged by a natural disaster, stolen, or vandalized, Comprehensive coverage will help cover the cost of having your car replaced or repaired. Together, Comprehensive and Collision are often labeled "full coverage." However, that phrase is confusing and means different things to different people. At Direct Auto & Life Insurance we avoid using that term and will use the precise policy and coverage terms to describe the coverages you have.
Do all drivers need Collision coverage in Roma? Texas insurance law doesn't mandate it, but you could be required to have Collision insurance if your vehicle is financed or leased. If you decide not to get Collision, your lender might buy it for you and add it to your existing loan balance. This path 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 worries you, getting Collision insurance and a workable deductible may be worthwhile.
Here at Direct Auto & Life Insurance in Roma, Collision coverage is affordable to get and easy to understand. 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 help you determine the best insurance 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 how and when you pay. It doesn't matter whether you pay cash in-person or pay with a credit card, staying on top of policy payments and your Collision coverage in Roma 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!