Looking for low cost Collision coverage in Dyersburg? Come to your nearby Direct Auto Insurance. While Tennessee law does not require drivers to have Collision coverage, it can still be beneficial to have. Imagine that your car runs into 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 car, truck, 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. 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 you choose, the lower your premium for Collision coverage will be.
Keep in mind 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 stolen, vandalized, or damaged by a natural disaster, 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 phrase is confusing and means different things to different people. 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 Dyersburg? It isn't required by Tennessee insurance law, but you might be required to carry Collision insurance if your car is leased or financed. If you don't buy Collision, your lender might buy it for you and add it to your existing loan balance. This way 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? You can choose whether or not you buy Collision coverage! 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, saying yes to Collision coverage and a manageable deductible might be worth it.
At Direct Auto Insurance in Dyersburg, Collision insurance is easy to understand and affordable to get. We offer the solid protection you need, plus the quality 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 identify every discount you're entitled to. We promise! Next, you have the freedom to make your car insurance even more affordable by customizing your payment schedule and choosing how you want to pay. Whether it's by cash, credit card, or check, paying for Collision insurance in Dyersburg is hassle-free with Direct Auto! Stop by your neighborhood location or call 1-877-GO-DIRECT (1-877-463-4732) to learn more about Collision coverage!