Need cheap Collision insurance in Fort Smith? Look no further than your nearby Direct Auto Insurance. While Arkansas law does not require drivers to have Collision coverage, it can still be beneficial to have. Imagine that your car runs into another object, like a stop sign, tree, guardrail, 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 motorcycle, truck, or car to be repaired or replaced.
A deductible is the amount of money you would pay out-of-pocket, up front for the damage to your vehicle. Standard deductibles are between $100 and $1,500, though they vary by insurance company and state. Your Collision deductible is completely up to you. 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 vandalized, damaged by a natural disaster, or stolen, 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. We avoid using that term at Direct Auto Insurance, and choose to use the precise policy and coverage terms to explain your coverages.
Do I need Collision coverage in Fort Smith? It's not mandated 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 choose not to purchase Collision, your lender might buy it for you and add it to your existing loan balance. This way 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 gives you instant anxiety, getting Collision coverage and a workable deductible may be worthwhile.
At Direct Auto Insurance in Fort Smith, Collision insurance is affordable to get and easy to understand. We offer the protection you want, 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 best policy 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. 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 Fort Smith 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!