Looking for cheap Collision insurance in Jacksonville? Head towards your nearby Direct Auto Insurance. Collision coverage may not be required by Arkansas law, but it can be extremely helpful when run into trouble while driving. Think about what would happen if your car collided with another object, like a guardrail, tree, street light, or pothole. Or if it's hit by a "hit and run" driver! Could you pay to have it repaired? 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. Deductibles vary by state and insurance company, but generally range from $100 to $1,500. Your Collision deductible amount is your choice. In general, the higher the deductible, the lower the premium for Collision.
Keep in mind that Collision coverage doesn't cover every situation that results in damage to your car. That's why Collision coverage goes hand-in-hand with Comprehensive, which has a deductible as well. If your car is damaged by a natural disaster, stolen, or vandalized, Comprehensive coverage will help pay to have your vehicle replaced or repaired. 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. At Direct Auto Insurance we avoid using that term and will use the precise policy and coverage terms to describe the coverages you have.
Who needs Collision coverage in Jacksonville? It's not mandated by Arkansas insurance law, but you might be required to carry Collision insurance if your vehicle is financed or leased. If you decide not to get Collision, your lender may buy it for you and tack it on to your loan. This path can be more expensive than if you purchase Collision insurance on your own. No car loan? 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 coverage and a manageable deductible might be worth it.
At Direct Auto Insurance in Jacksonville, Collision insurance is easy to understand and affordable to get. We have the on-the-road protection you want, plus the great services you deserve. There's no need to pass up essential coverage to try and save money. We help you identify the best policy for your needs and find every discount you're eligible for. That's our promise! Next, you have the freedom to make your car insurance even more affordable by customizing your payment schedule and choosing how you want to pay. Whether you pay by credit card, check, or cash, staying on top of policy payments and your Collision coverage in Jacksonville is simple with Direct Auto! Stop by your neighborhood location or call 1-877-GO-DIRECT (1-877-463-4732) to learn more about Collision coverage!