Searching for cheap Collision insurance in Knoxville? Come to 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 stop sign, tree, guardrail, or pothole. Or if it flips in an accident! Would you have enough money to get it fixed? After you meet your deductible, Collision insurance will pay for your car, truck, 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. The Collision deductible you choose is up to you. Generally speaking, 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 stolen, vandalized, or damaged by a natural disaster, Comprehensive coverage will help pay for your vehicle to be repaired or replaced. Together, Comprehensive and Collision are often labeled "full coverage." However, that terminology can be misleading and often means different things to different people. At Direct Auto Insurance we avoid using that term and will use the precise policy and coverage terms to describe the coverages you have.
Do all drivers need Collision coverage in Knoxville? It's not mandated by Tennessee insurance law, but you may be required to carry Collision coverage [marketing-content-p4-3] but you could be required to have Collision insurance if your vehicle is financed or leased. If you choose not to purchase Collision, your lender may buy it for you and tack it on to your loan. This path can be pricier than if you buy Collision coverage on your own. No car loan? 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.
Here at Direct Auto Insurance in Knoxville, Collision coverage is affordable to get and easy to understand. We offer the protection you want, plus the excellent customer service you deserve! There's no need to pass up essential coverage to try and save money. We'll help you put together the right insurance policy for your needs and find ALL the discounts you're entitled to. It's a promise. From there, 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 Knoxville 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!