Available online and at more than 400 locations, Direct Auto is part of the Direct General Group, a collective of companies based in Nashville, Tennessee. This car insurance provider caters to a very specialized market.
Direct Auto was founded on April 10, 1991 by William Adair. His vision was to create a premier, non-standard auto insurance company that provides outstanding service.
You may be wondering what the term “non-standard” means. A non-standard car insurance company provides coverage for drivers who are viewed as high-risk candidates.
If you have a DUI or several traffic violations, you may fall into this category. A driver who’s been involved in multiple car accidents may be considered high-risk, as may a driver who is newly licensed. The term high-risk may also be used to describe teen drivers, drivers who are 70 and older, and drivers with no prior insurance coverage. Additionally, you may be included in this category if you have poor credit or if you live in an area that’s been deemed high-risk by car insurance companies.
High-risk drivers can have a hard time finding car insurance, since many standard carriers refuse to cover them. Direct Auto provides coverage for these drivers, as well as those who need SR-22 certification.
With standard car insurance companies, you typically need to make your payment with a checking account or credit card. This isn’t the case with Direct Auto. While you’re certainly free to pay via these sources, the company offers additional options that aren’t widely available at standard car insurance providers. At Direct, you can pay via text, e-check or cash.
Direct Auto aims to provide flexible payment options and affordable rates. If those benefits appeal to you and your driving record makes you difficult to insure, Direct Auto is an option to consider.
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Direct Auto Insurance Discounts
If you’re looking to save money on your car insurance coverage, you’ll find that Direct Auto provides attractive discounts.
The company offers a Military discount for active service members. To qualify, you’ll need to provide a copy of your current orders, or other documentation that proves your enlistment. This discount may allow you to save up to 25% on your coverage.
Statistics show that those with clean driving records are less likely to get into accidents, and car insurance companies reward these drivers with rate discounts. Direct offers a Safe Driver discount to policyholders who’ve been ticket- and accident-free for the past three years. These drivers can save up to 10% on their rates. Note that some states may have additional eligibility requirements.
Direct will give you a price break if you’re a student who gets good grades. The company’s Good Student discount can save you up to 10%, and it’s available to unmarried, full-time students with a record of scholastic achievement. It’s offered to those in high school, college, or a vocational/technical school.
Drivers who are 55 and older can save up to 5% via a Senior Citizen discount. To qualify, you need to complete a course in motor vehicle accident prevention.
All other things being equal, the less time you spend on the road, the less likely you are to make a claim. Direct recognizes this by offering a Mileage discount. It’s offered to those who log fewer than a certain number of miles on the odometer each year, and it allows you to save up 5%.
Direct offers bundling discounts to those who insure more than one vehicle with the company. You may also qualify for a discount if you renew your policy within 10 days of expiration with no lapse in coverage within the prior 12 months.
A discount is available if you’re a previous policyholder who is returning to Direct after six months or more with another insurance company. And Direct offers affinity discounts to policyholders who are members of certain organizations.
Types of Coverage From Direct Auto Insurance
Direct has a diverse selection of car insurance products available. Liability coverage is required in most states, and this protection is offered at Direct. Both comprehensive and collision coverage are available. Direct also offers medical payments coverage, uninsured motorist coverage, and personal injury protection (PIP).
If your vehicle is in the shop, you may need a rental car while it’s being repaired. Direct offers rental reimbursement coverage that pays for these costs. Towing coverage is provided, and it pays for towing costs if your car breaks down.
Roadside assistance coverage pays for the costs associated with a flat tire or a lockout. Direct also offers accidental death coverage that pays $10,000 to your beneficiaries if you die in a covered accident.
Other Types of Policies From Direct Auto
Direct’s product range isn’t limited to just auto insurance. Renters insurance is offered, and it can protect your property from theft or damage. Bikers can select the company’s motorcycle insurance for coverage when they’re on the road. Life insurance is available, and it covers things such as funeral costs and loss of income. The company also offers short-term car insurance coverage for those who are driving across the border to Mexico.
If you’re on the hunt for affordable healthcare coverage, you may be able to find it at Direct. Additionally, the company provides a policy that can fill the gaps in your existing medical plan if your health insurance coverage isn’t enough to pay for injuries following an accident.
Direct Auto Financial Fitness
Direct Auto is part of the Direct General Group. Companies in that family are subsidiaries of National General Holdings Corp., a specialty personal lines insurance holding company based in New York City. Founded in 1939, National General has an A.M. Best rating of “A-“ (Excellent) for its financial strength, stability, and soundness of operating performance.
Other Insurance Brands Related to Direct Auto
The Direct General Group counts Direct Auto among its family of companies. This collective includes companies such as Direct General Insurance, Right Choice Insurance Agency, Direct National Insurance, and Direct General Insurance Company of Mississippi. Companies in the Direct General Group are subsidiaries of National General Holdings Corp.
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Average Annual Rates:
- USAA: $885
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- American Family: $1,391
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- Nationwide: $1,864
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