Searching for affordable Collision insurance in Antioch? Come to your local Direct Auto Insurance. Collision coverage may not be required by Tennessee law, but it can be extremely helpful when run into trouble while driving. Imagine that your car runs into another object, like a tree, light post, big pothole, or guardrail. Or if it flips in an accident! Do you have enough cash on hand to get it fixed up? 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 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. Your Collision deductible amount is your choice. Generally speaking, the higher the deductible you choose, the lower your premium for Collision coverage will be.
Remember 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. Collectively, Comprehensive and Collision are often referred to as "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 Insurance. Instead, we use the precise policy and coverage terms to help explain the coverage you have.
Do I need Collision coverage in Antioch? Tennessee insurance law doesn't mandate it, 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 buy it for you and tack it on to your loan. This path can be pricier than if you buy Collision coverage on your own. No car loan? 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.
At Direct Auto Insurance in Antioch, Collision coverage is affordable to get and easy to understand. We offer the protection you want, plus the quality services you deserve. With us, there's no need to cut back on important coverages to try and save a buck. We help you identify the best insurance for your needs and find every discount you're eligible for. That's our promise! From there, you have the freedom to make your car insurance even more affordable by customizing your payment schedule and choosing how you want to pay. It doesn't matter whether you pay cash in-person or pay with a credit card, paying for Collision insurance in Antioch is hassle-free with Direct Auto! Visit your nearby office or call 1-877-GO-DIRECT (1-877-463-4732) to get all the facts on Collision insurance coverage today!