Searching for affordable Collision insurance in Nashville? Head towards your nearby Direct Auto & Life Insurance. While Tennessee law does not require drivers to have Collision coverage, it can still be beneficial to have. Let's say your car hits another object, like a tree, light post, big pothole, or guardrail. Or if it flips in an accident! Could you pay to have it repaired? Meet your deductible and then your Collision coverage will kick in to help pay for your motorcycle, truck, or car 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.
Keep in mind 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 stolen, vandalized, or damaged by a natural disaster, Comprehensive coverage will help pay for your vehicle to be repaired or replaced. Together, 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 Nashville? 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 your car is leased or financed. If you decide not to get Collision, your lender may buy it for you and tack it on to your loan. This way can be pricier than if you buy Collision coverage on your own. What if you don't have a loan on your vehicle? Then getting Collision coverage is your choice! Before nixing it, give some thought to the age of your car and whether you'd be able to pay for repairs or replacement out of your own pocket. If that idea troubles you, saying yes to Collision coverage and a workable deductible may be worthwhile.
Here at Direct Auto & Life Insurance in Nashville, Collision coverage is affordable to get and easy to understand. 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'll help you put together the best insurance for your needs and identify every discount you're entitled to. We promise! Next, you have the opportunity to take your auto insurance to a whole new level of affordability by customizing how and when you pay. It doesn't matter whether you pay cash in-person or pay with a credit card, staying on top of policy payments and your Collision coverage in Nashville is simple with Direct Auto & Life! Call 1-877-GO-DIRECT (1-877-463-4732) or stop by your nearest location to learn more about Collision coverage today!