Searching for low cost Collision coverage in Griffin? Come to your nearest Direct Auto Insurance. Collision coverage may not be required by Georgia law, but it can be extremely helpful when run into trouble while driving. Let's say your car hits another object, like a tree, light post, big pothole, or guardrail. Or if it flips in an accident! 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 car, truck, 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. Your Collision deductible amount is your choice. Usually, 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 to have your vehicle replaced or repaired. Collectively, 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. 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.
Who needs Collision coverage in Griffin? It isn't required by Georgia 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 path can carry a higher price tag than if you bought Collision insurance on your own. What if you don't have a loan on your vehicle? 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 coverage and a workable deductible may be worthwhile.
At Direct Auto Insurance in Griffin, Collision coverage is easy to understand and affordable to get. We offer the solid protection you need, plus the quality 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! Next, you have the opportunity to take your auto insurance to a whole new level of affordability by customizing your payment schedule and choosing how you want to pay. It doesn't matter whether you pay cash in-person or pay with a credit card, paying for Collision insurance in Griffin 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!