Direct Auto Insurance Review 2024 Direct Auto has a significantly high number of complaints, and collision repair professionals have given it a poor grade for its handling of claims. If you are struggling to find an insurance company that will provide coverage due to a history of driving violations, gaps in coverage, or poor credit, Direct Auto could be an option. While its optional coverage options are limited, it does offer a decent selection of car insurance discounts.
Are you in the market for auto insurance? Look no further than Direct Auto Insurance. In this comprehensive review, we’ll dive into the ins and outs of Direct Auto Insurance, covering everything from their coverage options to their customer service and claims process. We’ll also take a look at what sets them apart from other insurance providers and why they may be the perfect fit for your needs. So if you’re ready to make an informed decision about your auto insurance, keep reading!
Direct Auto Insurance Review 2024
Direct Auto Insurance has been providing reliable coverage for drivers since its establishment. With a customer-centric approach and a wide range of coverage options, Direct Auto Insurance has consistently received positive reviews from policyholders. The company’s commitment to affordability and excellent customer service sets it apart from other insurance providers in the market. Direct Auto Insurance offers various discount programs, such as safe driver discounts and multi-policy discounts, making it an attractive option for drivers looking to save money without compromising on coverage. Additionally, the company’s user-friendly website and mobile app make managing policies and filing claims a breeze. Overall, Direct Auto Insurance is a trusted choice for individuals seeking quality auto insurance at competitive rates.
Direct Auto Insuranc Pros & Cons
Direct Auto Insurance is a popular choice for many drivers due to its affordability and convenience. With Direct Auto Insurance, you can get a quote online or over the phone within minutes, making it easy to compare rates and find the coverage that fits your needs. One of the main advantages of Direct Auto Insurance is its flexible payment options, allowing you to pay monthly, quarterly, or annually. Additionally, Direct Auto Insurance offers a variety of discounts, such as safe driver discounts and multi-car discounts, which can help you save even more on your premiums. However, it’s important to note that Direct Auto Insurance may not offer the same level of customer service or coverage options as some other insurance providers. It’s always a good idea to compare quotes from multiple insurers and read reviews before making a decision.
Pros
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Can file an SR-22 form for drivers who need it.
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Offers both car insurance for high-risk drivers and life insurance, giving customers the option to bundle policies and receive a discount.
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Flexible payment options available for customers.
Cons
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High number of auto insurance complaints when compared with other companies.
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Doesn’t offer additional coverage options like gap or rideshare insurance.
About Direct Auto Insurance Review 2024
Direct Auto, a car insurance company based in Nashville, was established in 1991 with a focus on providing policies for high-risk drivers. These drivers typically have factors such as bad credit, a history of driving violations or claims, or a lapse in insurance coverage. Direct Auto offers flexible payment options and allows customers to pay in cash at any of their 400 office locations. In 2016, National General Insurance acquired Direct Auto. Then, in 2021, Allstate purchased National General and its subsidiaries, which made Direct Auto a part of Allstate. Despite the acquisition and merger, Direct Auto maintains its name and operates independently.
Auto Insurance from Direct Auto
Direct Auto offers a range of auto insurance options that cater to the varying needs and budgets of drivers. Whether you’re looking for basic liability coverage or comprehensive protection, Direct Auto has got you covered. With flexible payment options, discounts for safe driving, and 24/7 customer support, Direct Auto is committed to providing quality auto insurance at an affordable price. Contact Direct Auto today to learn more about their coverage options and get a personalized quote. Similar to other car insurance companies, Direct Auto sells the following standard types of car insurance:
Liability Insurance
Liability car insurance provides coverage for any property damage or medical expenses incurred by others in the event that you are responsible for an automobile accident. Additionally, this type of insurance also encompasses any court judgments, settlements, and legal fees associated with the accident.
Uninsured and Underinsured Motorist Coverage
Uninsured motorist insurance provides coverage for your medical expenses and those of your passengers in the event of an accident where the driver at fault does not have liability car insurance. In the case where the at-fault driver’s liability insurance is insufficient to cover your bills, underinsured motorist insurance will pay for your medical expenses and those of your passengers. Additionally, certain states offer “property damage uninsured motorist coverage,” which will reimburse you for repairs if your vehicle is damaged by an uninsured driver.
Personal Injury Protection (PIP)
Personal injury protection provides coverage for medical, hospital, and funeral expenses related to a car accident, irrespective of the driver’s fault. PIP also includes compensation for lost wages and assistance with tasks that you are unable to perform due to your injuries, such as childcare.
Medical Payments (MedPay) Coverage
MedPay provides coverage for medical costs associated with a car collision, regardless of who is responsible for the incident. Unlike personal injury protection (PIP) insurance, medical payments insurance usually has lower coverage limits and does not offer additional advantages like compensation for lost income.
Collision and Comprehensive Insurance
Collision car insurance is designed to cover the cost of repairing or replacing your vehicle in the event of damage or destruction resulting from an accident. This could include collisions with other vehicles or objects such as poles. Comprehensive insurance, on the other hand, provides coverage for non-crash damage to your car. This can include incidents like hitting an animal, fire, theft, vandalism, and damage caused by severe weather conditions or falling objects. It is worth noting that collision and comprehensive insurance are not mandatory but are often sold together as a package. However, if you have leased or financed your car, your lender may require you to have both types of insurance coverage.
Additional Direct Auto Insurance Options
Accidental death: Pays $5,000 to your beneficiaries if you die in an auto accident covered by your Direct Auto policy.
Emergency roadside assistance: This add-on benefit provides 24-hour emergency towing, along with gas delivery, lockout assistance, battery jumpstart service, minor mechanical repairs and other services.
Mexico auto insurance: Direct Auto sells car insurance for those driving into Mexico, where your U.S.-based auto insurance won’t apply.
Towing coverage: Helps cover towing if your vehicle can’t be driven due to a breakdown or accident. You can buy towing coverage if you have collision and comprehensive coverage on your policy; otherwise you need to get emergency roadside assistance.
Rental reimbursement: Covers the cost of a rental vehicle while your car is being repaired after an auto accident or other problem covered by your collision or comprehensive coverage, such a car fire.
Does Direct Auto Offer Accident Forgiveness?
Indeed, Direct Auto provides accident forgiveness coverage. Should you meet the requirements for accident forgiveness with Direct Auto, you have the option to add it to your policy at an extra expense. By doing so, you can prevent a single at-fault accident from causing an increase in your insurance rates. Typically, in order to add accident forgiveness to your insurance policy, you must maintain a clean driving record. In the event of a minor accident or violation, your car insurance will “forgive” the incident and your premium will not be raised. Nevertheless, this occurrence will still be recorded on your official driving record.
Does Direct Auto Offer New Car Replacement?
Unfortunately, Direct Auto does not provide new car replacement coverage. This type of coverage is specifically designed to reimburse you for the cost of a brand new vehicle with the same make and model as your own if it is deemed a total loss due to a covered event, such as an accident or fire. Without new car replacement coverage, you would only receive a depreciated amount for your car.
Does Direct Auto Offer Gap Insurance?
No, gap insurance is not sold by Direct Auto. Gap insurance is beneficial for car owners who have a higher outstanding balance on their vehicle than its actual value. Also known as lease/loan coverage, gap insurance covers the shortfall between the vehicle’s worth and the amount owed in case of a complete loss.
Does Direct Auto Offer a Diminishing Deductible?
Unfortunately, Direct Auto does not offer a feature that reduces your deductible over time. A deductible is the amount of money that is subtracted from the payout you receive when you file an insurance claim for collision or comprehensive coverage. Diminishing deductible coverage, on the other hand, is a feature that gradually decreases your deductible each year that goes by without filing a claim.
Does Direct Auto Offer SR-22s?
Indeed, Direct Auto provides SR-22 filings, which are frequently referred to as SR-22 insurance. An SR-22 is a document submitted by your auto insurance provider to the state as evidence of meeting the state’s mandated minimum liability car insurance requirements. Typical situations that may necessitate filing an SR-22 include being involved in an accident while uninsured, receiving a DUI conviction, or having your license reinstated following a suspension.
Does Direct Auto Offer Usage-Based Insurance?
- With DynamicDrive, you install the Routely app on your phone, so your driving can be monitored. You receive a discount of up to 10% for enrolling in the program and can earn higher savings if you demonstrate safe driving. The app tracks:
- Handling your phone while you’re driving
- Time of day you’re driving
- Speeds at which you drive (you get a speed indicator if your speed exceeds 80 mph)
- Hard and extreme braking
Does Direct Auto Offer Pay-Per-Mile Insurance?
Unfortunately, Direct Auto does not provide pay-per-mile insurance. Pay-per-mile insurance typically involves paying a base rate on a daily or monthly basis, along with an additional rate per mile driven. This type of program is often ideal for individuals who drive fewer miles. If you are in search of a pay-per-mile insurance provider, it may be worth considering companies like Metromile or the SmartMiles program offered by Nationwide.
Does Direct Auto Offer Rideshare Insurance?
Unfortunately, Direct Auto does not provide rideshare insurance coverage for individuals working as Uber or Lyft drivers. However, they do offer commercial auto insurance policies that can protect individuals who work as food delivery drivers or couriers.
Direct Auto’s Insurance Discounts
Affinity: Active members of organizations that are partnered with Direct Auto may receive a discount of up to 5%.
Auto-pay: If you set up recurring payments you can save up to 5%.
Driver education: If the primary driver on the policy has completed an approved accident prevention course or an under 21-driver on the policy has completed a state-approved driver’s education course there may be a savings of up to 10%.
Good student: If you have a driver on your policy who is unmarried and a full-time student in high school, college or a vocational school and gets good grades, you may receive a discount of up to 10%.
Homeowner discount: If you own a home, townhome or condo you can save up to 15%.
Military: Active service members with a copy of current orders can save up to 25%.
Multi-car: By insuring more than one vehicle on your policy you can save up to 25%.
Multi-policy: If you purchase two or more insurance policies with Direct Auto, such as auto and motorcycle insurance, you can save up to 10%.
Multi-product: If you add certain products to your auto policy, such as an emergency protection plan or term life insurance, you may save up to 5%.
New vehicle: If you own a current model year vehicle you may be eligible for a discount of up to 2%.
Paperless: Choosing to receive your documents electronically can earn you a 1% discount.
Pay in full: By paying your policy in full upfront you can get a price break of up to 9%.
Prior coverage: If you’ve been with another auto insurance company for at least six months (and not had a coverage lapse of more than 90 days) you can save up to 25%.
Safe driver: If your driving record is free of violations and accidents for at least the last 36 months you may receive a 10% discount.
Senior citizen: If you’re 55 years or older and complete an accident prevention course you may save up to 5%.
Vehicle equipment: If your car is equipped with anti-theft devices or certain safety features—such as air bags and anti-lock brakes—you may save up to 10%.
Welcome back: Returning customers who previously had a Direct Auto policy at least six months prior to purchasing a new policy with Direct Auto can save up to 6%.
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Auto Insurance Complaints Against Direct Auto
Direct Auto has a complaint level that exceeds the nationwide industry average by approximately six times. This complaint level surpasses that of the majority of the country’s largest car insurance companies. The complaints lodged against Direct Auto primarily pertain to their handling of claims, specifically related to delays and denials.
Direct Auto’s Grade from Collision Repair Professionals
According to a survey conducted by CRASH Network, Direct Auto received a D+ grade, which was determined by the rating given to its parent company National General. The survey collected feedback from collision repair professionals who assessed insurers based on their utilization of lower-quality repair parts, support for recommended repair procedures from car manufacturers, and the efficiency and customer satisfaction of their claims processes.
Where Direct Auto Insurance Operates
Direct Auto offers auto insurance in the following states:
- Alabama
- Arkansas
- Colorado
- Delaware
- Florida
- Georgia
- Illinois
- Louisiana
- Michigan
- Mississippi
- North Carolina
- Ohio
- Pennsylvania
- South Carolina
- Tennessee
- Texas
- Virginia
- Washington
Other Types of Insurance from Direct Auto
In addition to car insurance, Direct Auto provides a range of other products and services for sale, including:
Commercial auto insurance. Provides business auto insurance options for individual vehicles or commercial auto insurance policies for fleets consisting of a maximum of 20 vehicles.
Life insurance. Term life insurance policies for coverage up to $25,000 are provided by Direct Auto.
Motorcycle insurance.Direct Auto offers a range of insurance options for motorcycles, including liability, collision, and comprehensive coverage. Additionally, they provide optional coverage such as custom parts and motorcycle replacement protection.
Renters insurance. At Direct Auto, you can purchase renters insurance that provides coverage for your personal belongings, offers personal liability protection, and reimburses additional living expenses in the event that you are unable to reside in your rental due to covered issues like a fire.
Direct Auto Mobile App
Direct Auto’s mobile app provides an easy way to access your account. Features include:
- File a claim.
- Find a local Direct Auto agent office to visit.
- Make a payment, review your payment history and receive notifications about your account.
- Request roadside assistance, if you’ve paid for that coverage.
- Review your car insurance policy details, including what coverages you have and discounts you’re receiving.
- View your digital car insurance ID card.
