Everybody makes mistakes. If your driving record or credit report contains a few, you might be struggling to find affordable auto insurance. That’s where Direct Auto Insurance can help.
Headquartered in Nashville, Direct (not to be confused with Direct Auto Insurance out of Chicago) offers low auto insurance rates to its customers, regardless of their driving history. Direct is part of the Allstate family.
If you’ve been in an accident or collected a few tickets, Direct will work with you to find a policy that meets your driving needs and budget.
- Flexible payment options
- Multiple discounts available
- 24/7 roadside insurance
- Mobile proof of insurance
- Insurance for driving in Mexico
- Additional insurance products include commercial car insurance, motorcycle insurance, health, life and renters insurance
Want to know more? Check out our Direct Auto Insurance review to learn about their offerings and whether they’re the right fit for you.
Direct Auto insurance coverage options
Everybody’s insurance needs are different. Here’s a look at the types of coverage Direct provides.
Liability coverage: Most states require liability coverage, which usually includes bodily injury insurance and property damage insurance. However, this type of coverage only protects the other individual(s) involved in an accident you caused, not yourself.
Comprehensive and collision: These two types of coverage, which are usually purchased together, cover repairs or replacement of your car if it’s stolen, involved in a hit-and-run, damaged in an event other than a collision (hail, for instance), or damaged by running into another object (like a fence or curb). Often, comprehensive and collision coverage are required if you lease or finance a car.
Uninsured motorist: If you’re hurt in an accident caused by an unidentified driver or driver without enough (or any) liability coverage, this type of insurance will cover the costs. Some states sell “underinsured motorist” coverage separately, while some cover property damage and bodily injury.
Medical payments: This type of optional, additional coverage helps pay for expenses related to medical, hospital and funeral expenses in the event of an auto accident, regardless of who is at fault.
Personal injury protection (PIP) is another type of insurance that covers some medical, hospital, and funeral expenses in the event of an auto accident, regardless of who is at fault. PIP coverage isn’t available in every state, but some states require it.
Rental reimbursement: If your car isn’t driveable following an accident, this type of coverage will help pay for a rental car.
Towing: This coverage will pay for emergency towing costs (up to a certain limit) if your car breaks down or can’t be driven after an accident.
Direct Auto car insurance discounts
Direct actually offers a ton of discounts, which can help you offset the cost of your auto insurance policy. In fact, there’s probably at least one discount you qualify for.
Take a look at the full list of discounts and potential savings below.
- DynamicDrive discount (up to 10%)
- Payment discount (up to 9%)
- Affinity discount (up to 5%)
- Good student discount (up to 10%)
- Homeowner discount (up to 15%)
- Mileage discount (up to 5%)
- Military discount (up to 25%)
- Multi-car discount (up to 25%)
- Multi-product discount (up to 5%)
- Prior coverage discount (up to 25%)
- Renewal discount (up to 20%)
- Safe driver discount (up to 10%)
- Senior citizen discount (up to 5%)
- Welcome back discount (up to 6%)
Where is Direct Auto car insurance available?
Currently, Direct Auto Insurance offers coverage in Alabama, Arkansas, Delaware, Florida, Georgia, Louisiana, Michigan, Mississippi, North Carolina, Ohio, Pennsylvania, South Carolina, Tennessee, Texas and Virginia.
Direct Auto financial stability ratings
Of course, cheap auto insurance is great. But you also want to know that the company you work with is financially stable for the long term and capable of paying out its claims.
Direct Auto has earned an A rating (Excellent) from AM Best, which means the company has an “excellent ability to meet their ongoing insurance obligations.”
Direct Auto customer reviews and complaints
Direct is listed on the Better Business Bureau (BBB) website as a BBB-accredited business with an A+ rating. However, out of 102 reviews by BBB users, its customer service rating averages just 1.12 out of 5 stars.
The National Association of Insurance Commissioners (NAIC) judges a company based on the number of complaints reported to state insurance regulators.
It gives Direct Auto a 7.07 score, which is well above the median benchmark of 1.00 for all providers and is an unsatisfactory rating indicating more complaints than expected.
Other major rating firms like J.D. Power do not currently provide information about Direct Auto Insurance.
Direct Auto car insurance claims
If you’re in the unfortunate situation of having to file a claim, the good news is that Direct offers a few convenient options for doing so:
- Start a claim online by logging into your account.
- Call Direct at 1-800-403-1077 and speak with a claims specialist.
Direct Auto Insurance accepts new claims 24/7. And if you want to check on an existing claim, call 1-800-403-1077 and choose the appropriate option (it helps to have your claim number and the name and extension of your claims representative on hand).
Direct Auto insurance website and apps
Direct offers a user-friendly website with an online user portal that allows you to start a claim, make a payment, print insurance cards, renew your policy, e-sign documents and more. Check out the FAQ section if you have questions about using this platform.
Who is Direct Auto car insurance a good option for?
Whether you have a few blemishes on your driving record or more serious negative marks like a DUI, Direct specializes in providing coverage to high-risk drivers.
Drivers on a budget who are only seeking liability coverage should also consider working with Direct Auto Insurance. Direct can serve as a one-stop shop and even provide a discount for bundling policies if you’re looking for multiple insurance products, such as auto, life, and renters.
The verdict: Is Direct Auto insurance worth it?
Your car insurance options may be limited as a high-risk driver. Direct Auto Insurance is a good choice if you have issues with your driving record or credit history or simply need low-cost liability coverage to satisfy your state’s requirements.
However, if you’re an average driver looking for the most affordable comprehensive coverage, Direct may not be the best option. The same is true if you’re looking for speedy customer service.
Even so, it’s always a good idea to shop around for auto insurance and compare quotes from several companies to be sure you’re getting the best deal.
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