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Need cheap Collision insurance in Columbia? 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 guardrail, tree, street light, or pothole. Or if it's hit by a "hit and run" driver! Do you have enough cash on hand to get it fixed up? Meet your deductible and then your Collision coverage will kick in to help 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. Generally speaking, the higher the deductible you choose, the lower your premium for Collision coverage will be.

Remember that Collision coverage does not cover every situation that leads to damage to your vehicle. That's why Collision coverage is almost always paired with Comprehensive, which also has a deductible. If your car is vandalized, damaged by a natural disaster, or stolen, Comprehensive coverage will help pay to have your vehicle replaced or repaired. Together, Collision and Comprehensive are often called "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 Columbia? It's not mandated 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 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. 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 convenient deductible could prove valuable.

At Direct Auto & Life Insurance in Columbia, Collision insurance is easy to understand and affordable to get. We offer the solid protection you need, 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 find every discount you're eligible for. That's our promise! From there, you have the opportunity to take your auto insurance to a whole new level of affordability by customizing how and when you pay. Whether it's by cash, credit card, or check, paying for Collision insurance in Columbia is hassle-free 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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Uninsured drivers in Tennessee caught driving without the proper insurance could face a fine of $300. Police officers can take legal action to have your vehicle towed immediately if you cannot produce proof of valid insurance. On January 1, 2017, the state of TN put into place an online insurance verification program. This new 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.