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Need affordable Collision insurance in Cleveland? Look no further than your local Direct Auto & Life Insurance. Collision coverage may not be required by Tennessee law, but it can be extremely helpful when run into trouble while driving. Imagine that your car runs into another object, like a tree, light post, big pothole, or guardrail. Or if it's hit by a "hit and run" driver! Would you have enough money to get it fixed? 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 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. In general, going with a high deductible is a good way to lower your premium for Collision coverage.

Keep in mind that Collision coverage doesn't cover every situation that results in damage to your car. Collision coverage is almost always purchased alongside Comprehensive for this very reason. It also carries a deductible. If your car is stolen, vandalized, or damaged by a natural disaster, Comprehensive coverage will help cover the cost of having your car replaced or repaired. When combined, Comprehensive and Collision are often referred to as "full coverage." However, that phrase is confusing and means different things to different people. 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.

Who needs Collision coverage in Cleveland? It isn't required by Tennessee insurance law, but you might be required to carry Collision insurance if your car is leased or financed. If you don't buy Collision, your lender may purchase it for you and add it to your loan balance. This route 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? Buying Collision coverage is up to you! 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 gives you instant anxiety, saying yes to Collision coverage and a manageable deductible might be worth it.

At Direct Auto & Life Insurance in Cleveland, Collision insurance is affordable to get and easy to understand. We have the on-the-road protection you want, plus the excellent customer service 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 identify every discount you're entitled to. We promise! After that, you have the freedom to make your car insurance even more affordable by customizing your payment schedule and choosing how you want to pay. It doesn't matter whether you pay cash in-person or pay with a credit card, making policy payments and maintaining Collision coverage in Cleveland is easy 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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Driving uninsured in Tennessee can be costly, with the fine for driving without the proper insurance sitting at $300. Police officers could legally have your vehicle towed on the spot if you don’t have proof of insurance. On January 1, 2017, Tennessee implemented an online insurance verification program. The program can locate uninsured drivers through their vehicle registrations. If a vehicle is identified as having an uninsured owner, the owner will not be able to renew their vehicle's registration.