Looking for low cost Collision coverage in Lawrenceburg? Look no further than your nearest Direct Auto & Life Insurance. Collision coverage isn't required by Tennessee law, but it can definitely come in handy after trouble on the road. Imagine that your car runs into another object, like a stop sign, tree, guardrail, or pothole. Or, it flips in an accident or is hit by a "hit and run" driver. Do you have enough cash on hand to get it fixed up? 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. Typical deductibles range from $100 to $1,500, but they vary by state and insurance company. Your Collision deductible is completely up to you. In general, the higher the deductible you choose, the lower your premium for Collision coverage will be.
Keep in mind that Collision coverage does not cover every situation that leads to 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. Collectively, 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 all drivers need Collision coverage in Lawrenceburg? 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 don't buy Collision, your lender might buy it for you and add it to your existing loan balance. This route can carry a higher price tag than if you bought Collision insurance 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 insurance and a workable deductible may be worthwhile.
At Direct Auto & Life Insurance in Lawrenceburg, Collision insurance is easy to understand 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 best insurance for your needs and find every discount you're eligible for. That's our promise! Next, you can make your car insurance feel even more affordable (and manageable) 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 Lawrenceburg 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!