Looking for affordable Collision insurance in Elizabethton? Head towards your nearby Direct Auto & Life Insurance. While Tennessee law does not require drivers to have Collision coverage, it can still be beneficial to have. Imagine that your car runs into another object, like a guardrail, tree, street light, or pothole. Or if it's hit by a "hit and run" driver! Could you pay to have it repaired? After you meet your deductible, Collision insurance will pay for your motorcycle, truck, or car to be repaired or replaced.
A car insurance deductible is what you pay to repair your car if you have an accident or claim. Standard deductibles are between $100 and $1,500, though they vary by insurance company and state. Your Collision deductible amount is your choice. In general, the higher the deductible, the lower the premium for Collision.
Note that Collision insurance won't pay for every scenario that results in damage to your vehicle. 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 for your vehicle to be repaired or replaced. Collectively, Comprehensive and Collision are often referred to as "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 Elizabethton? Tennessee insurance law doesn't mandate it, but you could be required to have 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 path can be more expensive than if you purchase Collision insurance on your own. What if you don't have a loan on your vehicle? Then getting Collision coverage is your choice! Before nixing it, give some thought to the age of your car and whether you'd be able to pay for repairs or replacement out of your own pocket. If that idea troubles you, saying yes to Collision coverage and a convenient deductible could prove valuable.
At Direct Auto & Life Insurance in Elizabethton, Collision insurance is easy and affordable to get. We have the on-the-road protection you want, plus the excellent customer service you deserve! With us, you don't have to skip out on important coverages to try and make your insurance cheaper. We help you identify the best insurance for your needs and identify every discount you're entitled to. We promise! Next, you can make your car insurance feel even more affordable (and manageable) by customizing the time and way you 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 Elizabethton 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!