Many companies offer affordable insurance with unique coverages and discounts for auto insurance. While some well-known brands in the auto insurance sector spend a lot of money on advertising, many smaller companies provide outstanding services to their customers. Also, some companies provide affordable rates for minimum coverage policies and cater mainly to high-risk drivers. Direct Auto Insurance is one such company!
One major factor is that Direct Auto advertises its readiness to insure almost any applicant, even those with a history of accidents or drunken driving. But, if policyholders increase their protection levels,their premium rates are likely to surge to less attractive levelsthantheir competitors. Be mindful that the company has only coverage in 11 states - Alabama, Georgia, Mississippi, Arkansas, Florida, North Carolina, South Carolina, Ohio,Tennessee, Texas, and Virginia.
So, what are the Direct Auto Insurance rates? What are the coverages and discounts offered to lower Direct Auto Insurance quotes? How are the Direct Auto Insurance reviews? Our research has all the answers for you!
| Pros | Cons |
|---|---|
| Offers both auto insurance and life insurance for high-risk drivers, with the option to bundle policies for a discount | Not that affordable for getting a full coverage insurance policy |
| Provides flexible payment options for all customers | Limited availability |
| Can file an SR-22 form for drivers who require it | Lack of extra coverages like rideshare or gap insurance |
| Easy to get policy quotes and start claims processes | It doesn’t provide new cars or better car replacement coverage |
| Doesn’t require a medical examination or approval period for Direct Auto term life insurance | More number of complaints when compared to other auto insurance companies |
| Offers add-on coverages like roadside assistance, travel reimbursement, and rental car | Customer service has a delay in addressing the issues of customers |
These are some of the features of Direct Auto Insurance.
| Unique Features | What does it do |
|---|---|
| Rental reimbursement | This policy pays the expenses of renting a car when your vehicle is under repair following an accident. This policy is optional, but you need to have comprehensive and collision coverages to be eligible for it. |
| Accidental death | Provides $5,000 to beneficiaries if a driver dies in an accident. It is an add-on coverage for your auto insurance policy. |
| Customizable payments | The company allows customers to make payments in a variety of ways. That includes setting your payment date, paying in full or on an installment plan. You can make online payments and even cash payments to a local agent or partner location. |
| Towing & Labor | It reimbursesthe towing costs when your car breaks down or turns undrivable after an accident. You need comprehensive and collision coverage to add this. But if you only require roadside assistance and don’t have full coverage, the company has a program that includes 24-hour towing. |
These are the basic coverages provided by the company.
Direct Auto Insurance quotes tend to be expensive compared to the national average. The level of coverage selected by the policyholder determines the cost of Direct Auto Insurance.Getting a minimum coverage policy costs you nearly $1,782. However, a full coverage policy from the insurer costs you around $4,134, higher than its competitors like State Farm or All State.
Like most other insurers, the coverage rates of Direct Auto for teen drivers are higher than the national average.The actual rates may differ based on location, vehicle type, annual mileage, and more.
| Age Bracket and Gender | Average annual premium |
|---|---|
| <18 or 18-year-old | $6,936 |
| Type of Drivers | Average annual premium |
|---|---|
| Drivers with clean driving history | $2,772 |
| Drivers with a speeding ticket | $5,238 |
| Drivers after an accident | $4,804 |
Are you planning to save money on your auto insurance policy? Then you will be interestedin the following discounts offered by Direct Auto Insurance. Below are some of the discounts offered based on the driver or vehicle.
There are also a few discounts offered based on the policy you choose.
If you’re a past policyholder returning to Direct after six months or more with another insurer, the company provides you discounts. Affinity discounts are offered to policyholders who are members of particular organizations.
The company has an average score when it comes to customer satisfaction. Most of the Direct Auto Insurance reviews are average. A majority of the positive feedback from the customers is for the Direct Auto Insurance customer service. Customers mentioned that the Direct Auto Insurance customer service executives are friendly, pleasant, genuine, and courteous. So taking auto insurance with Direct Auto seems to be a hassle-free process for the customers. However, some customers have given negative reviews resulting from dissatisfaction with the delays in handling their issues or concerns.
Direct Auto Insurance seems to be a good choice for drivers in the Southeast seeking basic auto insurance. What makes Direct Auto Insurance different is that they provide policies for high-risk drivers. Many regular insurers refuse to cover high-risk drivers, making it hard to obtain auto insurance. These drivers, as well as those who require SR-22 certification, are covered by Direct Auto.
The premium payments seem to be easy as the company offers flexible payments. The Direct Auto Insurance quotes can be lowered as the company offers many a variety of discounts. The rates and premiums will increase if you plan to raise the levels of protection. Limited availability is one factor that comes as a drawback for the insurer. Another major disadvantage is that the insurer doesn’t have a mobile app.
The BBB has given DirectAuto Insurance an A+ rating. But, some recent Direct Auto Insurance reviewshave been worse, indicatingthey need to improve their customer service. AM Best has given an ‘Excellent’ rating for financial strength, so customers needn’t worry about claims payout.
William Adair launched Direct Auto Insurance on April 10, 1991. Helaunched the insurance to provide an excellent, non-standard auto insurance company providing excellent service to its customers. Later, the company quickly expanded throughout the Southeast, offering affordable rates, flexible payment plans, and the exceptional service clients deserve, regardless of their driving history. The company is headquartered in Nashville, Tennessee. Direct Auto Insurance also offers life insurance, roadside assistance memberships, vehicle protection plans, Mexico Auto Insurance in many retail locations, and affordable car and motorcycle insurance.
The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.
Quotes are typically based on a full coverage policy average unless otherwise noted within the content.
These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com
Yes. Direct Auto Insurance isa good choice for Southeast drivers seeking basic auto insurance. The specialty is that they provide policies for high-risk drivers. The company also covers drivers who need SR-22 certification.
The policy cost depends on the level of coverage selected by the policyholder. A minimum coverage policy from Direct Auto costs you around $1,782, and a full coverage policy cost you nearly $4,134.
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