Need cheap Collision insurance in Hixson? Look no further than 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, it flips in an accident or is 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 car, truck, 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 amount is your choice. Usually, the higher the deductible, the lower the premium for Collision.
Remember that Collision coverage doesn't cover every situation that results in damage to your car. That's why Collision coverage is almost always paired with Comprehensive, which also has a deductible. If your car is stolen, vandalized, or damaged by a natural disaster, 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. 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.
Who needs Collision coverage in Hixson? It isn't required by Tennessee insurance law, but you might be required to carry 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 way can be pricier than if you buy Collision coverage on your own. What if your vehicle isn't financed or leased? Buying Collision coverage is up to you! 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 Hixson, Collision coverage is easy and affordable to get. We offer the solid protection you need, 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 identify the best insurance for your needs and find ALL the discounts you're entitled to. It's a promise. Next, you can make your car insurance feel even more affordable (and manageable) by customizing how and when you pay. It doesn't matter whether you pay cash in-person or pay with a credit card, paying for Collision insurance in Hixson is hassle-free 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!