Searching for cheap Collision insurance in Johnson City? Look no further than 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. Think about what would happen if your car collided with another object, like a guardrail, tree, street light, or pothole. Or if it flips in an accident! Would you have enough money to get it fixed? Meet your deductible and then your Collision coverage will kick in to help pay for your car, truck, or motorcycle 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. Standard deductibles are between $100 and $1,500, though they vary by insurance company and state. Your Collision deductible is completely up to you. Usually, the higher the deductible, the lower the premium for Collision.
Remember 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 stolen, vandalized, or damaged by a natural disaster, Comprehensive coverage will help pay for your vehicle to be repaired or replaced. 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.
Do I need Collision coverage in Johnson City? It's not mandated by Tennessee insurance law, but you may be required to carry Collision coverage [marketing-content-p4-3] but you could be required to have Collision insurance if you're leasing or financing your car. If you decide not to get Collision, your lender may purchase it for you and add it to your loan balance. This route 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? 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 thought worries you, getting Collision coverage and a convenient deductible could prove valuable.
Here at Direct Auto & Life Insurance in Johnson City, Collision coverage is easy and affordable to get. We offer the solid protection you need, 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 right insurance policy for your needs and find ALL the discounts you're entitled to. It's a 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 you pay by credit card, check, or cash, paying for Collision insurance in Johnson City 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!