Searching for low cost Collision coverage in Chattanooga? Head towards your nearest Direct Auto 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's hit by a "hit and run" driver! Would you have enough money to get it fixed? After you meet your deductible, Collision insurance will pay for your truck, car, 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. Typical deductibles range from $100 to $1,500, but they vary by state and insurance company. 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. That's why Collision coverage is almost always paired with Comprehensive, which also has 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 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.
Who needs Collision coverage in Chattanooga? It isn't required by Tennessee insurance law, but you might be required to carry Collision insurance if you're leasing or financing your car. If you decide not to get Collision, your lender may buy it for you and tack it on to your loan. This path can be more expensive than if you purchase Collision insurance 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 thought worries you, getting Collision insurance and a convenient deductible could prove valuable.
Here at Direct Auto Insurance in Chattanooga, Collision coverage is affordable to get and easy to understand. We offer the protection you want, plus the great services you deserve. With us, you don't have to skip out on important coverages to try and make your insurance cheaper. We help you determine the right insurance policy for your needs and find every discount you're eligible for. That's our promise! Next, you have the freedom to make your car insurance even more affordable by customizing how and when you pay. Whether it's by cash, credit card, or check, paying for Collision insurance in Chattanooga is hassle-free 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!