Direct Auto Insurance Reviews, Coverage Options, and Ratings in 2019

The Zebra
Sept. 4, 2019

Direct Auto Insurance Reviews, Coverage Options, and Ratings for 2019


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3.0 Rating from The Zebra

Direct Auto Insurance is based in Tennessee, primarily servicing states in the southeast US. The company is considered a non-standard insurance carrier. This means that they specialize in providing coverage for high-risk drivers or those who otherwise may struggle to find car insurance. Non-standard carriers aren’t known for providing a wide array of perks. However, they often serve as a solid option for those looking to meet the state minimum liability coverage. Read on to find out more about Direct Auto Insurance, including coverage options, discounts, and other benefits.


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JD Power Rating — Not Rated

Financial strength — Excellent: Direct Auto Insurance has been given a financial rating of “excellent,” by A.M. best, meaning that the company’s finances and their ability to pay claims are in great shape.  

NAIC Rating — Below average: According to the National Association of Insurance Commissioners, Direct Auto Insurance receives significantly more complaints than average.

JD Power Rating — Not Rated

Financial strength — Excellent: Direct Auto Insurance has been given a financial rating of “excellent,” by A.M. best, meaning that the company’s finances and their ability to pay claims are in great shape.  

NAIC Rating — Below average: According to the National Association of Insurance Commissioners, Direct Auto Insurance receives significantly more complaints than average.

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Direct Auto Insurance coverage options

Direct Auto Insurance provides the standard coverages that you would find from most car insurance companies. These include the following coverage types. 

 

Liability

Liability coverage is a required form of coverage in all states (except New Hampshire). Included is coverage for bodily injury and property damage that you might have caused. 

 

Comprehensive and Collision

If you want your car to be covered in the event that it is damaged, you’ll need these coverage types. Collision insurance covers accidents with another car or other object -- other than an animal. Comprehensive (or “other than collision”) coverage takes care of damage to your vehicle including non-collision accidents. 

 

Medical Payments (MedPay)

This coverage takes care of medical, ambulance, hospital, aftercare, and funeral expenses. There is no deductible for this coverage, and it pays regardless of fault. 

 

Personal injury protection

Sometimes known as PIP, personal injury protection helps to take care of medical expenses for you and those injured in your vehicle in the event of an accident. While the coverage is required in some states, it may not be available everywhere.

 

Uninsured motorist

If you are hit by a motorist who does not carry insurance, this coverage can help to cover your bodily injury and -- in many cases -- property damage expenses

 

Rental reimbursement

This coverage helps take care of costs associated with renting a car when your vehicle is being fixed after a covered loss. 

 

Towing

If your car is broken down or is undrivable after an accident, this coverage helps you get reimbursed for any towing expenses. 

 

Accidental death

For drivers who die in a covered loss, accidental death coverage pays $5,000 to beneficiaries. 



Unique benefits

 
Customizable payments 

For many customers, Direct Auto Insurance allows you some flexibility in how you make your payments. This includes setting the date of your payments, choosing to pay in full or with an installment plan, putting money down up front to lower your monthly payment, and flexible payment options that include online payments, pay-by-text message, and even cash payments to a local agent or partner location. 

 

Discounts

There are a number of discounts of which eligible drivers can take advantage. They are divided into different categories that are specific to the driver, vehicle, or policy type. 

 

Driver Discounts
  • Military: Active duty military can save up to 25%
  • Safe Driver: Drivers with three years free of accidents can save up to 10%
  • Good Student: Unmarried, full-time students can save up to 10%
  • Senior Citizen: Drivers 55 year and older can save up to 5%

 

Vehicle-specific discounts
  • Multi-car: Insure multiple cars under the same policy for up to 25% savings
  • Mileage: Low-mileage drivers can save up to 5%

 

Policy-specific discounts
  • Multi-product: Bundle your car insurance with another product for up to 5% savings
  • Homeowner: Homeowners can save up to 15% 
  • Renewal: Save up to 20% by renewing your policy
  • Welcome back: Coming back to Direct Auto Insurance can save you 6%
  • Affinity: Active members or any organization partnering with Direct can save up to 5%

 

Additional lines of insurance

  • Life
  • Motorcycle
  • Commercial auto
  • Term life

 

Is Direct Auto Insurance right for you? 

If you are looking for a company that will lay down the red carpet for you, you may want to continue searching. That said, Direct Auto Insurance can be a good option if you are only looking for the minimum of affordable coverage. Perks like flexible payment options can also be beneficial to some drivers. Overall, if you just need coverage so that you can get behind the wheel, Direct Auto Insurance can be worth a look. 

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