Collision Coverage

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Searching for affordable Collision insurance in Decatur? Come to your nearby Direct Auto Insurance. Collision coverage isn't required by Georgia law, but it can definitely come in handy after trouble on the road. Let's say your car hits 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. Could you pay to have it repaired? After you meet your deductible, Collision insurance will 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. Deductibles vary by state and insurance company, but generally range from $100 to $1,500. The Collision deductible you choose is 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, Comprehensive and Collision are often referred to as "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.

Who needs Collision coverage in Decatur? Georgia insurance law doesn't mandate it, but you might be required to carry Collision insurance if you're leasing or financing your car. If you decide not to get 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. No car loan? 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 worries you, saying yes to Collision coverage and a workable deductible may be worthwhile.

Here at Direct Auto Insurance in Decatur, Collision coverage is affordable to get and easy to understand. We have the on-the-road protection you want, plus the great services you deserve. There's no need to pass up essential coverage to try and save money. We'll help you put together the best policy for your needs and identify every discount you're entitled to. We promise! After that, you have the opportunity to take your auto insurance to a whole new level of affordability by customizing how and when you pay. It doesn't matter whether you pay cash in-person or pay with a credit card, making policy payments and maintaining Collision coverage in Decatur 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!

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