Need affordable Collision insurance in Oak Ridge? Head towards 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. Think about what would happen if your car collided with another object, like a guardrail, tree, street light, or pothole. Or if it flips in an accident! Could you pay to have it repaired? After you meet your deductible, Collision insurance will pay for your truck, car, 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. Deductibles vary by state and insurance company, but generally range from $100 to $1,500. The Collision deductible you choose is up to you. Generally speaking, going with a high deductible is a good way to lower your premium for Collision coverage.
Keep in mind that Collision coverage doesn't cover every situation that results in damage to your car. 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. Collectively, 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 Oak Ridge? 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 purchase it for you and add it to your loan balance. This way can be more expensive than if you purchase Collision insurance 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, 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 coverage and a workable deductible may be worthwhile.
At Direct Auto Insurance in Oak Ridge, Collision insurance is easy to understand and affordable to get. We offer the protection you want, plus the great services you deserve. There's no need to pass up essential coverage to try and save money. We help you identify the best insurance for your needs and identify every discount you're entitled to. We 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 Oak Ridge 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!