Searching for low cost Collision coverage in Enterprise? Look no further than your local Direct Auto Insurance. Collision coverage may not be required by Alabama law, but it can be extremely helpful when run into trouble while driving. Imagine that your car runs into another object, like a tree, light post, big pothole, or guardrail. Or if it's hit by a "hit and run" driver! Would you have enough money to get it fixed? Once you meet your deductible, Collision coverage will help pay for your motorcycle, truck, or car to be repaired or replaced.
A deductible is the amount of money you have to pay toward repairs before your insurance covers the rest. Standard deductibles are between $100 and $1,500, though they vary by insurance company and state. The Collision deductible you choose is up to you. Usually, the higher the deductible, the lower the premium for Collision.
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 stolen, vandalized, or damaged by a natural disaster, 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 phrasing means different things to different people, and it can be downright confusing. That's why we avoid using that term at Direct Auto Insurance. Instead, we use the precise policy and coverage terms to help explain the coverage you have.
Do I need Collision coverage in Enterprise? It isn't required by Alabama insurance law, but you may be required to carry Collision coverage [marketing-content-p4-3] but you could be required to have Collision insurance if you're leasing or financing your car. If you decide not to get Collision, your lender may buy it for you and tack it on to your loan. This path can carry a higher price tag than if you bought Collision insurance on your own. No car loan? Then getting Collision coverage is your choice! Before going without it, though, think about the age of your vehicle and whether you would feel comfortable paying for it to be repaired or replaced out of your own pocket. If that thought worries you, getting Collision coverage and a convenient deductible could prove valuable.
At Direct Auto Insurance in Enterprise, Collision coverage is easy and affordable to get. We offer the solid protection you need, 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 determine the best insurance for your needs and identify every discount you're entitled to. We promise! Next, you have the freedom to make your car insurance even more affordable by customizing the time and way you pay. Whether you pay by credit card, check, or cash, staying on top of policy payments and your Collision coverage in Enterprise is simple with Direct Auto! Call 1-877-GO-DIRECT (1-877-463-4732) or stop by your nearest location to learn more about Collision coverage today!