Searching for affordable Collision insurance in Athens? Look no further than your nearest Direct Auto 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. 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 deductible is the amount of money you have to pay toward repairs before your insurance covers the rest. Typical deductibles range from $100 to $1,500, but they vary by state and insurance company. Your Collision deductible amount is your choice. Generally speaking, the higher the deductible you choose, the lower your premium for Collision coverage will be.
Keep in mind that Collision coverage doesn't cover every situation that results in damage to your car. That's why Collision coverage goes hand-in-hand with Comprehensive, which has a deductible as well. 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. Together, Comprehensive and Collision are often referred to as "full coverage." However, that phrase is confusing and means different things to different people. 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 Athens? Tennessee insurance law doesn't mandate it, 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 don't buy Collision, your lender may purchase it for you and add it to your loan balance. This way can carry a higher price tag than if you bought Collision insurance on your own. What if your vehicle isn't financed or leased? 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 idea troubles you, saying yes to Collision coverage and a manageable deductible might be worth it.
At Direct Auto Insurance in Athens, Collision coverage is easy to understand and affordable to get. We have the on-the-road protection you want, 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'll help you put together the best insurance for your needs and find every discount you're eligible for. That's our promise! After that, 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, staying on top of policy payments and your Collision coverage in Athens is simple with Direct Auto! Call 1-877-GO-DIRECT (1-877-463-4732) or stop by your nearest location to learn more about Collision coverage today!