Searching for affordable Collision insurance in West Memphis? Come to 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 tree, light post, big pothole, or guardrail. Or, it flips in an accident or is hit by a "hit and run" driver. Would you have enough money to get it fixed? Meet your deductible and then your Collision coverage will kick in to help 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. Typical deductibles range from $100 to $1,500, but they vary by state and insurance company. Your Collision deductible is completely up to you. Usually, going with a high deductible is a good way to lower your premium for Collision coverage.
Note that Collision coverage does not cover every situation that leads to 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 stolen, vandalized, or damaged by a natural disaster, Comprehensive coverage will help cover the cost of having your car replaced or repaired. Collectively, Comprehensive and Collision are often referred to as "full coverage." However, that phrase is confusing and means different things to different people. 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 West Memphis? 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 don't buy Collision, your lender might buy it for you and add it to your existing loan balance. This way can be pricier than if you buy Collision coverage on your own. No car loan? Buying Collision coverage is up to you! 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 insurance and a workable deductible may be worthwhile.
At Direct Auto Insurance in West Memphis, Collision coverage is easy and affordable to get. We offer the protection you want, 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 identify the best insurance 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 it's by cash, credit card, or check, paying for Collision insurance in West Memphis is hassle-free 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!