Searching for low cost Collision coverage in Portland? Look no further than your local Direct Auto Insurance. Collision coverage may not be required by Texas 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 if it flips in an accident! Could you pay to have it repaired? After you meet your deductible, Collision insurance will pay for your motorcycle, truck, or car to be repaired or replaced.
A deductible is the amount of money you have to pay toward repairs before your insurance covers the rest. Deductibles vary by state and insurance company, but generally range from $100 to $1,500. Your Collision deductible amount is your choice. Generally speaking, 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 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. 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. At Direct Auto Insurance we avoid using that term and will use the precise policy and coverage terms to describe the coverages you have.
Do I need Collision coverage in Portland? It's not mandated by Texas 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 may purchase it for you and add it to your 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 idea troubles you, getting Collision coverage and a convenient deductible could prove valuable.
Here at Direct Auto Insurance in Portland, Collision coverage is affordable to get and easy to understand. We offer the protection you want, plus the quality services you deserve. There's no need to pass up essential coverage to try and save money. We help you determine the best policy for your needs and identify every discount you're entitled to. We promise! From there, you have the opportunity to take your auto insurance to a whole new level of affordability by customizing how and when you pay. Whether it's by cash, credit card, or check, making policy payments and maintaining Collision coverage in Portland is easy 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!