Searching for cheap Collision insurance in Antioch? Head towards your local Direct Auto & Life Insurance. While Tennessee 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? After you meet your deductible, Collision insurance will 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. Deductibles vary by state and insurance company, but generally range from $100 to $1,500. Your Collision deductible is completely up to you. Generally speaking, going with a high deductible is a good way to lower your premium for Collision coverage.
Note 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 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. We avoid using that term at Direct Auto & Life Insurance, and choose to use the precise policy and coverage terms to explain your coverages.
Do I need Collision coverage in Antioch? It isn't required by Tennessee insurance law, but you might be required to carry Collision insurance if your vehicle is financed or leased. If you decide not to get Collision, your lender may buy it for you and tack it on to your loan. This path 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 workable deductible may be worthwhile.
At Direct Auto & Life Insurance in Antioch, Collision coverage is easy and affordable to get. We have the on-the-road protection you want, plus the quality services you deserve. There's no need to pass up essential coverage to try and save money. We'll help you put together the right insurance policy for your needs and find every discount you're eligible for. That's our promise! After that, you can make your car insurance feel even more affordable (and manageable) by customizing the time and way you pay. Whether you pay by credit card, check, or cash, staying on top of policy payments and your Collision coverage in Antioch is simple with Direct Auto & Life! Stop by your neighborhood location or call 1-877-GO-DIRECT (1-877-463-4732) to learn more about Collision coverage!