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Need low cost Collision coverage in Chattanooga? Head towards your local 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 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? Once you meet your deductible, Collision coverage will help pay for your car, truck, or motorcycle to be repaired or replaced.

A deductible is the amount of money you would pay out-of-pocket, up front for the damage to your vehicle. Deductibles vary by state and insurance company, but generally range from $100 to $1,500. The Collision deductible you choose is up to you. Usually, the higher the deductible, the lower the premium for Collision.

Keep in mind that Collision insurance won't pay for every scenario that results in damage to your vehicle. That's why Collision coverage is almost always paired with Comprehensive, which also has 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. Together, Comprehensive and Collision are often labeled "full coverage." However, that terminology can be misleading and often means different things to different people. That's why we avoid using that term at Direct Auto & Life Insurance. Instead, we use the precise policy and coverage terms to help explain the coverage you have.

Do all drivers need Collision coverage in Chattanooga? It's not mandated by Tennessee insurance law, but you could be required to have Collision insurance if you're leasing or financing your car. If you decide not to get Collision, your lender may buy it for you and tack it on to your loan. This route can carry a higher price tag than if you bought Collision insurance on your own. No car loan? 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 thought worries you, getting Collision insurance and a manageable deductible might be worth it.

At Direct Auto & Life Insurance in Chattanooga, Collision insurance is easy and affordable to get. We offer the protection you want, plus the great services 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. Next, 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, staying on top of policy payments and your Collision coverage in Chattanooga 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!

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The fine for uninsured drivers caught driving without insurance in Tennessee is $300. Law enforcement officials are legally allowed to have your car immediately towed away if you are unable to produce proof of valid insurance. On January 1, 2017, the state of Tennessee implemented a new online system to verify drivers’ insurance. The system can track down drivers who do not have valid insurance, all through vehicle registration records. If a vehicle is identified as having an uninsured owner, the owner will not be able to renew their vehicle's registration.