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Searching for low cost Collision coverage in Athens? Look no further than your nearest Direct Auto & Life Insurance. Collision coverage isn't required by Tennessee 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 guardrail, tree, street light, or pothole. Or, it flips in an accident or is hit by a "hit and run" driver. Do you have enough cash on hand to get it fixed up? 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. Typical deductibles range from $100 to $1,500, but they vary by state and insurance company. Your Collision deductible amount is your choice. Usually, going with a high deductible is a good way to lower your premium for Collision coverage.

Note that Collision coverage does not cover every situation that leads to 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 pay for your vehicle to be repaired or replaced. When combined, Comprehensive and Collision are often labeled "full coverage." However, that phrasing means different things to different people, and it can be downright confusing. At Direct Auto & Life Insurance we avoid using that term and will use the precise policy and coverage terms to describe the coverages you have.

Do all drivers need Collision coverage in Athens? It's not mandated 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 might buy it for you and add it to your existing loan balance. This path can be pricier than if you buy Collision coverage on your own. No car loan? Buying Collision coverage is up to you! Before going without it, give some thought to the age of your vehicle. How much is it worth? Would you be comfortable paying for it to be replaced or repaired on your own? If that thought worries you, getting Collision insurance and a convenient deductible could prove valuable.

At Direct Auto & Life Insurance in Athens, Collision coverage is easy to understand 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 help you determine the best insurance for your needs and find ALL the discounts you're entitled to. It's a promise. After that, you can make your car insurance feel even more affordable (and manageable) by customizing how and when you pay. Whether you pay by credit card, check, or cash, staying on top of policy payments and your Collision coverage in Athens is simple with Direct Auto & Life! Call 1-877-GO-DIRECT (1-877-463-4732) or stop by your nearest location to learn more about Collision coverage today!

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Drivers in Tennessee who do not have proper insurance could face a fine of $300. Officers of the law can take legal action to have your car towed immediately if you cannot produce proof of valid insurance. On January 1, 2017, Tennessee instituted an online program to verify drivers’ insurance. This digital program tracks down drivers without insurance through their vehicle registrations. Vehicles identified as having uninsured owners will not be eligible for registration renewal.