Looking for low cost Collision coverage in Dayton? 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. 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? After you meet your deductible, Collision insurance will pay for your truck, car, or motorcycle to be repaired or replaced.
A car insurance deductible is what you pay to repair your car if you have an accident or claim. Deductibles vary by state and insurance company, but generally range from $100 to $1,500. Your Collision deductible amount is your choice. Usually, the higher the deductible you choose, the lower your premium for Collision coverage will be.
Remember that Collision insurance won't pay for every scenario that results in damage to your vehicle. 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. 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 Dayton? It's not mandated by Tennessee insurance law, but you might be required to carry 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 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 Dayton, Collision insurance 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 help you determine the best policy for your needs and find ALL the discounts you're entitled to. It's a promise. From there, you have the opportunity to take your auto insurance to a whole new level of affordability by customizing how and when you pay. It doesn't matter whether you pay cash in-person or pay with a credit card, staying on top of policy payments and your Collision coverage in Dayton 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!