Collision Coverage

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Looking for cheap Collision insurance in LaGrange? Come to your local 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 guardrail, tree, street light, or pothole. Or, it flips in an accident or is hit by a "hit and run" driver. Would you have enough money to get it fixed? 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. The Collision deductible you choose is up to you. Usually, the higher the deductible, the lower the premium for Collision.

Remember 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 stolen, vandalized, or damaged by a natural disaster, 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 phrase is confusing and means different things to different people. We avoid using that term at Direct Auto Insurance, and choose to use the precise policy and coverage terms to explain your coverages.

Do all drivers need Collision coverage in LaGrange? 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 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 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 insurance and a workable deductible may be worthwhile.

Here at Direct Auto Insurance in LaGrange, Collision coverage is affordable to get and easy to understand. 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 insurance for your needs and find every discount you're eligible for. That's our promise! Next, you have the opportunity to take your auto insurance to a whole new level of affordability by customizing the time and way 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 LaGrange is simple 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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