Need affordable Collision insurance in Saint Petersburg? Come to your nearby Direct Auto Insurance. Collision coverage isn't required by Florida law, but it can definitely come in handy after trouble on the road. Let's say your car hits another object, like a guardrail, tree, street light, or pothole. Or if it's hit by a "hit and run" driver! Do you have enough cash on hand to get it fixed up? Meet your deductible and then your Collision coverage will kick in to help pay for your truck, car, or motorcycle to be repaired or replaced.
A deductible is the amount of money you have to pay toward repairs before your insurance covers the rest. 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.
Keep in mind that Collision coverage doesn't cover every situation that results in damage to your car. That's why Collision coverage is almost always paired with Comprehensive, which also has a deductible. If your car is vandalized, damaged by a natural disaster, or stolen, Comprehensive coverage will help pay for your vehicle to be repaired or replaced. When combined, 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 Saint Petersburg? It isn't required by Florida insurance law, but you might be required to carry 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 route can carry a higher price tag than if you bought Collision insurance on your own. What if your vehicle isn't financed or leased? 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 worries you, getting Collision insurance and a manageable deductible might be worth it.
At Direct Auto Insurance in Saint Petersburg, Collision coverage is easy and affordable to get. We offer the protection you want, plus the quality services you deserve. There's no need to pass up essential coverage to try and save money. We help you identify the best insurance for your needs and identify every discount you're entitled to. We promise! After that, you have the freedom to make your car insurance even more affordable by customizing the time and way you pay. Whether it's by cash, credit card, or check, making policy payments and maintaining Collision coverage in Saint Petersburg is easy 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!