Looking for cheap Collision insurance in Petersburg? Look no further than your nearest Direct Auto Insurance. While Virginia 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 tree, light post, big pothole, or guardrail. Or if it's hit by a "hit and run" driver! Could you pay to have it repaired? Meet your deductible and then your Collision coverage will kick in to help pay for your truck, car, or motorcycle 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 amount is your choice. Usually, going with a high deductible is a good way to lower your premium for Collision coverage.
Remember 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 vandalized, damaged by a natural disaster, or stolen, Comprehensive coverage will help pay to have your vehicle replaced or repaired. Together, Collision and Comprehensive are often called "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 Petersburg? It isn't required by Virginia 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 pricier than if you buy Collision coverage on your own. What if your vehicle isn't financed or leased? 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 Petersburg, Collision coverage is easy and affordable to get. We offer the protection you want, plus the great 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 find ALL the discounts you're entitled to. It's a promise. After that, you have the opportunity to take your auto insurance to a whole new level of affordability by customizing how and when you pay. Whether you pay by credit card, check, or cash, making policy payments and maintaining Collision coverage in Petersburg 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!