Looking for low cost Collision coverage in Covington? Look no further than your local Direct Auto Insurance. While Tennessee law does not require drivers to have Collision coverage, it can still be beneficial to have. Think about what would happen if your car collided with another object, like a stop sign, tree, guardrail, or pothole. Or if it's hit by a "hit and run" driver! Do you have enough cash on hand to get it fixed up? Once you meet your deductible, Collision coverage will 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. Typical deductibles range from $100 to $1,500, but they vary by state and insurance company. Your Collision deductible amount is your choice. In general, the higher the deductible you choose, the lower your premium for Collision coverage will be.
Note 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 to have your vehicle replaced or repaired. When combined, 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. We avoid using that term at Direct Auto Insurance, and choose to use the precise policy and coverage terms to explain your coverages.
Who needs Collision coverage in Covington? 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 might buy it for you and add it to your existing loan balance. This path can be pricier than if you buy Collision coverage 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 idea troubles you, saying yes to Collision coverage and a manageable deductible might be worth it.
At Direct Auto Insurance in Covington, Collision coverage is affordable to get and easy to understand. We offer the protection you want, plus the excellent customer service you deserve! With us, there's no need to cut back on important coverages to try and save a buck. We help you determine the right insurance policy for your needs and find every discount you're eligible for. That's our promise! From there, you can make your car insurance feel even more affordable (and manageable) by customizing the time and way you pay. Whether it's by cash, credit card, or check, staying on top of policy payments and your Collision coverage in Covington 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!