Need cheap Collision insurance in Raleigh? Come to your nearest Direct Auto Insurance. Collision coverage isn't required by North Carolina law, but it can definitely come in handy after trouble on the road. Think about what would happen if your car collided with another object, like a stop sign, tree, guardrail, or pothole. Or if it flips in an accident! Would you have enough money to get it fixed? After you meet your deductible, Collision insurance will pay for your motorcycle, truck, or car to be repaired or replaced.
A car insurance deductible is what you pay to repair your car if you have an accident or claim. Standard deductibles are between $100 and $1,500, though they vary by insurance company and state. Your Collision deductible is completely up to you. Generally speaking, the higher the deductible, the lower the premium for Collision.
Note that Collision coverage doesn't cover every situation that results in damage to your car. 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. Collectively, Comprehensive and Collision are often labeled "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.
Do I need Collision coverage in Raleigh? North Carolina 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 choose not to purchase Collision, your lender may buy it for you and tack it on to your loan. This way can carry a higher price tag than if you bought Collision insurance on your own. What if your vehicle isn't financed or leased? 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 gives you instant anxiety, getting Collision insurance and a convenient deductible could prove valuable.
Here at Direct Auto Insurance in Raleigh, Collision coverage is affordable to get and easy to understand. We have the on-the-road protection you want, plus the excellent customer service you deserve! With us, there's no need to cut back on important coverages to try and save a buck. We'll help you put together the best policy for your needs and find ALL the discounts you're entitled to. It's a promise. From there, you have the freedom to make your car insurance even more affordable by customizing the time and way you pay. Whether it's by cash, credit card, or check, paying for Collision insurance in Raleigh is hassle-free with Direct Auto! Visit your nearby office or call 1-877-GO-DIRECT (1-877-463-4732) to get all the facts on Collision insurance coverage today!