Searching for cheap Collision insurance in Madison? Come to 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? Meet your deductible and then your Collision coverage will kick in to help pay for your motorcycle, truck, or car 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 amount is your choice. Usually, the higher the deductible you choose, the lower your premium for Collision coverage will be.
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 vandalized, damaged by a natural disaster, or stolen, Comprehensive coverage will help pay to have your vehicle replaced or repaired. Collectively, 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.
Do I need Collision coverage in Madison? It isn't required by Tennessee insurance law, but you might be required to carry 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 way can be more expensive than if you purchase Collision insurance on your own. What if your vehicle isn't financed or leased? You can choose whether or not you buy Collision coverage! Before going without it, give some thought to the age of your vehicle. How much is it worth? Would you be comfortable paying for it to be replaced or repaired on your own? If that thought worries you, getting Collision insurance and a convenient deductible could prove valuable.
At Direct Auto Insurance in Madison, Collision coverage is affordable to get and easy to understand. We offer the solid protection you need, plus the excellent customer service 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 insurance for your needs and find ALL the discounts you're entitled to. It's a promise. After that, you can make your car insurance feel even more affordable (and manageable) by customizing how and when you pay. Whether it's by cash, credit card, or check, staying on top of policy payments and your Collision coverage in Madison 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!