Looking for affordable Collision insurance in Springdale? 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. Imagine that your car runs into another object, like a stop sign, tree, guardrail, or pothole. Or if it flips in an accident! Do you have enough cash on hand to get it fixed up? Once you meet your deductible, Collision coverage will help pay for your truck, car, or motorcycle 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. Typical deductibles range from $100 to $1,500, but they vary by state and insurance company. 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.
Remember that Collision insurance won't pay for every scenario that results in 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. 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. 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 Springdale? 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 choose not to purchase Collision, your lender may buy it for you and tack it on to your loan. This path can be pricier than if you buy Collision coverage on your own. What if your vehicle isn't financed or leased? You can choose whether or not you buy Collision coverage! 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 gives you instant anxiety, saying yes to Collision coverage and a manageable deductible might be worth it.
Here at Direct Auto Insurance in Springdale, Collision coverage is easy to understand and affordable to get. We have the on-the-road protection you want, 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 every discount you're eligible for. That's our promise! From there, you can make your car insurance feel even more affordable (and manageable) by customizing your payment schedule and choosing how you want to pay. It doesn't matter whether you pay cash in-person or pay with a credit card, paying for Collision insurance in Springdale is hassle-free with Direct Auto! Visit your nearby office or call 1-877-GO-DIRECT (1-877-463-4732) to get all the facts on Collision insurance coverage today!