Looking for cheap Collision insurance in Clarksville? Head towards 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. Let's say your car hits another object, like a guardrail, tree, street light, or pothole. Or if it flips in an accident! Could you pay to have it repaired? Once you meet your deductible, Collision coverage will help 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. Deductibles vary by state and insurance company, but generally range from $100 to $1,500. The Collision deductible you choose is up to you. Usually, the higher the deductible, the lower the premium for Collision.
Remember 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 vandalized, damaged by a natural disaster, or stolen, Comprehensive coverage will help pay for your vehicle to be repaired or replaced. When combined, Collision and Comprehensive are often called "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 all drivers need Collision coverage in Clarksville? 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 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 route can carry a higher price tag than if you bought Collision insurance on your own. What if you don't have a loan on your vehicle? Buying Collision coverage is up to you! 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 thought gives you instant anxiety, saying yes to Collision coverage and a workable deductible may be worthwhile.
At Direct Auto Insurance in Clarksville, Collision insurance is easy and affordable to get. 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'll help you put together the best policy for your needs and find every discount you're eligible for. That's our promise! After that, you have the opportunity to take your auto insurance to a whole new level of affordability by customizing how and when you pay. Whether you pay by credit card, check, or cash, paying for Collision insurance in Clarksville 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!