Direct Auto Insurance Reviews 2024

 

 Direct Auto Insurance Reviews 2024


Direct Auto Insurance Company provides coverage for high-risk drivers or those who can’t find standard car insurance. It can be your go-to insurer if you have a poor driving record, a bad credit score, or a lapse in insurance coverage.

Direct-Auto-Insurance

Pros And Cons

insurance pros
  • Provides coverage to individuals who otherwise won't be able to get insurance.
  • Has flexible payment options
  • Offers both car insurance and life insurance
insurance cons
  • Has an above-average number of complaints
  • Doesn't offer optional coverage such as new car replacement, gap insurance, or diminishing deductibles
  • Only operates in 18 states

Product and Services of Direct Auto

  • Auto Insurance
  • Motorcycle Insurance
  • Roadside Assistance
  • Individual Term Life Insurance
  • Accident Medical Expense
  • Health Insurance Marketplace
  • Emergency Protection
  • Commercial Auto Insurance

How Does Direct Auto Work?

Get a Car Insurance Quote

You can get a quote for your car insurance by phone, online, or through their physical stores.

Pick your Payment Option

Choose what you want to pay, when, and how you want to make your payment. Direct Auto provides flexible options on state minimum car insurance and additional coverage.

Coverage and Discounts

Direct Auto sells the following types of coverage:

Liability Insurance

Liability car insurance has got you covered if you cause an accident. It covers the bills for other people’s property damage and medical expenses. If you end up in court, it will also handle any judgments against you and the fees for your lawyer.

Uninsured and Underinsured Motorist Coverage

Uninsured motorist insurance can cover your medical expenses if the at-fault driver doesn’t have liability car insurance. And if the at-fault driver doesn’t have enough liability insurance to cover your bills, underinsured motorist insurance covers you. Some states even offer “property damage uninsured motorist coverage,” which will reimburse you for repairs if an uninsured driver damages your vehicle.

Personal Injury Protection (PIP)

Personal injury protection covers all medical, hospital, and funeral costs after a car accident, no matter who’s to blame. It even takes care of your lost wages and helps with tasks you can’t do because of your injuries, like taking care of your children.

Medical Payments (MedPay) Coverage

MedPay takes care of your medical bills after a car accident, regardless of who’s to blame. It’s a type of insurance that specifically covers medical expenses. Unlike PIP, it has lower limits and doesn’t offer additional perks like compensation for lost wages.

Collision and Comprehensive Insurance

Collision car insurance covers any damage or destruction caused to your vehicle in an accident, whether a collision with another car or hitting an object like a pole.

Comprehensive insurance, on the other hand, protects against non-crash damage. This includes hitting an animal, fire, theft, vandalism, and damage from severe weather or falling objects.

These are the discounts provided by Direct Auto Insurance Company:

DiscountDiscount Percentage
Safe driver discountUp to 10% if you remain accident-free for at least three years
Senior citizen discountUp to 5% if you complete an accident prevention course at 55 years or older
Homeowner discountUp to 15% if your insured vehicle is stored in the house you own
Good student discountUp to 10% if you have at least a B average in high school, college or vocational school
Multi-car discountUp to 25% if you cover multiple vehicles
Driver education discountUp to 10% if you are under 21 and have completed an accident prevention course or a state-approved driver ed course
Multi-policy discountUp to 10% if you have multiple policies with Direct Auto
Payment discountUp to 9% for setting up automatic payments, paying a policy in full or paperless billing
Military discountUp to 25% if you are an active service member
Military discountUp to 6% if you come back to Direct Auto within six months of switching to another company
Affinity discountUp to 9% if you are a member of any organization that has partnered with Direct Auto

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