Searching for cheap Collision insurance in El Dorado? Head towards your nearby Direct Auto Insurance. Collision coverage isn't required by Arkansas law, but it can definitely come in handy after trouble on the road. Imagine that your car runs into another object, like a guardrail, tree, street light, or pothole. Or if it's hit by a "hit and run" driver! Would you have enough money to get it fixed? After you meet your deductible, Collision insurance will pay for your truck, car, or motorcycle to be repaired or replaced.
A deductible is the amount of money you have to pay toward repairs before your insurance covers the rest. Deductibles vary by state and insurance company, but generally range from $100 to $1,500. Your Collision deductible is completely up to you. Generally speaking, the higher the deductible, the lower the premium for Collision.
Note that Collision coverage does not cover every situation that leads to damage to your vehicle. 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 to have your vehicle replaced or repaired. Together, Collision and Comprehensive are often called "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 El Dorado? It isn't required by Arkansas 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 don't buy Collision, your lender may purchase it for you and add it to your loan balance. This path can be more expensive than if you purchase Collision insurance on your own. No car loan? You can choose whether or not you buy Collision coverage! 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, saying yes to Collision coverage and a workable deductible may be worthwhile.
At Direct Auto Insurance in El Dorado, Collision coverage is easy and affordable to get. We offer the solid protection you need, plus the excellent customer service 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 right insurance policy for your needs and find ALL the discounts you're entitled to. It's a promise. From there, 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 you pay by credit card, check, or cash, paying for Collision insurance in El Dorado is hassle-free with Direct Auto! Stop by your neighborhood location or call 1-877-GO-DIRECT (1-877-463-4732) to learn more about Collision coverage!