Searching for low cost Collision coverage in Newnan? Come to your nearest 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 stop sign, tree, guardrail, or pothole. Or, it flips in an accident or is hit by a "hit and run" driver. Could you pay to have it repaired? Once you meet your deductible, Collision coverage will 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. Standard deductibles are between $100 and $1,500, though they vary by insurance company and state. Your Collision deductible amount is your choice. In general, the higher the deductible you choose, the lower your premium for Collision coverage will be.
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 vandalized, damaged by a natural disaster, or stolen, Comprehensive coverage will help cover the cost of having your car replaced or repaired. When combined, Collision and Comprehensive are often called "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 Newnan? It isn't required 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 buy it for you and tack it on to your loan. This way can be more expensive than if you purchase Collision insurance 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, getting Collision insurance and a manageable deductible might be worth it.
At Direct Auto Insurance in Newnan, Collision insurance 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 identify the best policy for your needs and find every discount you're eligible for. That's our promise! After that, you have the freedom to make your car insurance even more affordable by customizing the time and way you pay. Whether you pay by credit card, check, or cash, making policy payments and maintaining Collision coverage in Newnan is easy with Direct Auto! Stop by your neighborhood location or call 1-877-GO-DIRECT (1-877-463-4732) to learn more about Collision coverage!