Collision Coverage

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Need affordable Collision insurance in Gallatin? Head towards 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. Let's say your car hits another object, like a guardrail, tree, street light, or pothole. Or if it flips in an accident! Do you have enough cash on hand to get it fixed up? Once you meet your deductible, Collision coverage will help 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. 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, the higher the deductible you choose, the lower your premium for Collision coverage will be.

Note that Collision insurance won't pay for every scenario that results in damage to your vehicle. That's why Collision coverage goes hand-in-hand with Comprehensive, which has a deductible as well. 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 phrasing means different things to different people, and it can be downright confusing. 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 I need Collision coverage in Gallatin? Tennessee insurance law doesn't mandate it, but you may be required to carry Collision coverage [marketing-content-p4-3] but you could be required to have Collision insurance if your vehicle is financed or leased. If you decide not to get Collision, your lender might buy it for you and add it to your existing loan balance. This route can be more expensive than if you purchase 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, 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, saying yes to Collision coverage and a workable deductible may be worthwhile.

At Direct Auto & Life Insurance in Gallatin, Collision coverage is easy to understand and affordable to get. We have the on-the-road 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 help you determine the best insurance for your needs and find every discount you're eligible for. That's our 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. Whether you pay by credit card, check, or cash, making policy payments and maintaining Collision coverage in Gallatin is easy 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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