Collision Coverage

Direct Locations Near You

Need low cost Collision coverage in Palm Harbor? Come to your nearby Direct Auto Insurance. While Florida law does not require drivers to have Collision coverage, it can still be beneficial to have. Think about what would happen if your car collided with another object, like a stop sign, tree, guardrail, or pothole. Or if it flips in an accident! Could you pay to have it repaired? Once you meet your deductible, Collision coverage will help pay for your car, truck, or motorcycle to be repaired or replaced.

A car insurance deductible is what you pay to repair your car if you have an accident or claim. Deductibles vary by state and insurance company, but generally range from $100 to $1,500. Your Collision deductible is completely up to you. 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. 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, Collision and Comprehensive are often called "full coverage." However, that terminology can be misleading and often means different things to different people. 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 Palm Harbor? It isn't required by Florida 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 your vehicle is financed or leased. If you decide not to get Collision, your lender might buy it for you and add it to your existing loan balance. This route 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 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 idea troubles you, getting Collision insurance and a convenient deductible could prove valuable.

At Direct Auto Insurance in Palm Harbor, Collision coverage is easy and affordable to get. We have the on-the-road protection you want, plus the quality services you deserve. With us, you don't have to skip out on important coverages to try and make your insurance cheaper. We'll help you put together the right insurance policy for your needs and find ALL the discounts you're entitled to. It's a promise. Next, you have the freedom to make your car insurance even more affordable by customizing how and when 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 Palm Harbor 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!

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