Looking for cheap Collision insurance in Brunswick? Look no further than your local Direct Auto Insurance. While Georgia law does not require drivers to have Collision coverage, it can still be beneficial to have. 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! Would you have enough money to get it fixed? Once you meet your deductible, Collision coverage will 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. Generally speaking, the higher the deductible, the lower the premium for Collision.
Remember 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 damaged by a natural disaster, stolen, or vandalized, Comprehensive coverage will help pay for your vehicle to be repaired or replaced. Collectively, Comprehensive and Collision are often labeled "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.
Do I need Collision coverage in Brunswick? It's not mandated by Georgia insurance law, but you might be required to carry Collision insurance if your car is leased or financed. If you don't buy Collision, your lender might buy it for you and add it to your existing loan balance. This path can be pricier than if you buy Collision coverage on your own. What if you don't have a loan on your vehicle? You can choose whether or not you buy Collision coverage! Before going without it, give some thought to the age of your vehicle. How much is it worth? Would you be comfortable paying for it to be replaced or repaired on your own? If that idea troubles you, getting Collision insurance and a workable deductible may be worthwhile.
At Direct Auto Insurance in Brunswick, Collision insurance is easy to understand and affordable to get. We offer the solid protection you need, 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 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 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 Brunswick 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!