Searching for cheap Collision insurance in Hermitage? 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. 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! Do you have enough cash on hand to get it fixed up? Once you meet your deductible, Collision coverage will help pay for your truck, car, or motorcycle to be repaired or replaced.
A deductible is the amount of money you have to pay toward repairs before your insurance covers the rest. Standard deductibles are between $100 and $1,500, though they vary by insurance company and state. The Collision deductible you choose is up to you. In general, the higher the deductible, the lower the premium for Collision.
Note 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 for your vehicle to be repaired or replaced. When combined, 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 Hermitage? 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 choose not to purchase Collision, your lender may purchase it for you and add it to your loan balance. This way 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? You can choose whether or not you buy Collision coverage! 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, saying yes to Collision coverage and a convenient deductible could prove valuable.
Here at Direct Auto & Life Insurance in Hermitage, Collision coverage is easy and affordable to get. We offer the 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'll help you put together the right insurance policy for your needs and find ALL the discounts you're entitled to. It's a promise. From there, you can make your car insurance feel even more affordable (and manageable) by customizing the time and way you pay. Whether you pay by credit card, check, or cash, making policy payments and maintaining Collision coverage in Hermitage 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!