Looking for affordable Collision insurance in Milledgeville? Look no further than your nearby 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! Could you pay to have it repaired? Once you meet your deductible, Collision coverage will 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. Standard deductibles are between $100 and $1,500, though they vary by insurance company and state. Your Collision deductible is completely up to you. Usually, the higher the deductible, the lower the premium for Collision.
Keep in mind that Collision insurance won't pay for every scenario that results in damage to your vehicle. That's why Collision coverage goes hand-in-hand with Comprehensive, which has a deductible as well. If your car is damaged by a natural disaster, stolen, or vandalized, Comprehensive coverage will help pay to have your vehicle replaced or repaired. 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 all drivers need Collision coverage in Milledgeville? 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 choose not to purchase Collision, your lender may purchase it for you and add it to your loan balance. This route 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 idea troubles you, saying yes to Collision coverage and a manageable deductible might be worth it.
At Direct Auto Insurance in Milledgeville, Collision coverage is easy and affordable to get. We have the on-the-road protection you want, plus the great services you deserve. With us, you don't have to skip out on important coverages to try and make your insurance cheaper. We help you determine the right insurance policy for your needs and identify every discount you're entitled to. We promise! Next, you can make your car insurance feel even more affordable (and manageable) by customizing how and when you pay. Whether it's by cash, credit card, or check, staying on top of policy payments and your Collision coverage in Milledgeville 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!