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Need low cost Collision coverage in Collierville? Come to your nearest 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. Let's say your car hits another object, like a guardrail, tree, street light, or pothole. Or if it's hit by a "hit and run" driver! Would you have enough money to get it fixed? Once you meet your deductible, Collision coverage will 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. Typical deductibles range from $100 to $1,500, but they vary by state and insurance company. Your Collision deductible is completely up to you. In general, going with a high deductible is a good way to lower your premium for Collision coverage.

Remember 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 damaged by a natural disaster, stolen, or vandalized, Comprehensive coverage will help pay to have your vehicle replaced or repaired. Together, 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.

Do all drivers need Collision coverage in Collierville? 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 decide not to get Collision, your lender may buy it for you and tack it on to your loan. This path can carry a higher price tag than if you bought Collision insurance on your own. No car loan? You can choose whether or not you buy Collision coverage! 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 gives you instant anxiety, getting Collision coverage and a convenient deductible could prove valuable.

At Direct Auto & Life Insurance in Collierville, Collision insurance is affordable to get and easy to understand. We offer the protection you want, plus the quality services you deserve. With us, you don't have to skip out on important coverages to try and make your insurance cheaper. We help you determine the right insurance policy for your needs and identify every discount you're entitled to. We promise! After that, you have the opportunity to take your auto insurance to a whole new level of affordability 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, staying on top of policy payments and your Collision coverage in Collierville is simple with Direct Auto & Life! Visit your nearby office or call 1-877-GO-DIRECT (1-877-463-4732) to get all the facts on Collision insurance coverage today!

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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 have your car towed immediately if you don’t have proof of insurance. On January 1, 2017, Tennessee implemented a new online system to verify drivers’ insurance. The system can track down uninsured drivers by accessing 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.