Direct Auto Insurance Company provides coverage for those who cannot find regular or high-risk auto insurance. If you have a spotty driving record, low credit, or a gap in your insurance coverage, this might be your first choice for an insurer. Since 1991, they have focused on providing non-standard auto insurance. Direct General Group provides the underwriting for its products.
Direct Auto Insurance
This type of insurance is typically cheaper than traditional insurance because it eliminates the commission paid to an agent or broker. This insurance can be purchased online or over the phone and is available from various insurance companies.
Only a few states, Alabama, Arkansas, Delaware, Florida, Georgia, Louisiana, Michigan, Mississippi, North Carolina, Ohio, Pennsylvania, South Carolina, Tennessee, Texas, Virginia, and Washington, offer Direct Auto Insurance. While direct auto insurance can be convenient, it is essential to review the policy carefully to ensure it provides the coverage you need.
Products and Services of Direct Auto Insurance Company
The following are the products and services:
- Auto insurance.
- Motorcycle insurance.
- Roadside insurance.
- Individual term life insurance.
- Accidental medical expense.
- Health insurance marketplace.
- Emergency protection.
- Commercial auto insurance.
These are the products and services offered by this insurance provider.
Pros of Direct Auto Insurance
There are several benefits to purchasing direct auto insurance. These include:
- It gives coverage to people who couldn’t obtain insurance otherwise.
- Flexible payment methods
- Provides both life insurance and auto insurance.
- Lower premiums.
- Tailored coverage.
These are some of the perks of purchasing this insurance policy.
Cons of Direct Auto Insurance
The cons of direct auto insurance include:
- Limited Coverage options.
- Less personalized service.
- Difficulty finding an insurer.
- A higher-than-average number of complaints.
- It does not provide optional coverage like gap insurance, lowering deductibles, or new car replacement.
- It only functions in eighteen states.
These are some of the cons of this insurance policy.
Factors That Affect the Cost of Direct Auto Insurance
As mentioned, several factors can affect the cost of direct auto insurance. Here are some of the most common:
- Driving record.
- Credit score.
- Type of vehicle.
- Driving habits.
These are the common factors that affect this insurance policy.
How to Apply for Direct Auto Insurance
Applying for direct auto insurance is a relatively simple process. Here is a general overview of the process:
- Visit their official website at https://www.directauto.com/
- Enter your Zip code and click on “Start Quote Now.”
- Choose from a variety of quotes available.
- Once you’ve chosen a policy, you must enter your information, such as your date of birth and Social Security number.
- And submit it for processing.
Then, pay the premium to activate your policy.
Frequently Asked Questions
Below are some frequently asked questions.
Is my age the Only Factor That Affects my Insurance Cost?
No, your age is just one of many factors insurance companies use to calculate your rate. Other factors, such as your driving record, location, and vehicle type, can also impact your insurance cost.
How Much of a Difference Does my age Make in my Insurance Cost?
Your age can make a significant difference in your insurance cost. For example, a 16-year-old driver typically pays twice as much for insurance as a 25-year-old driver. As you get older, your insurance cost will generally decrease.
Why do my Location and Driving Habits Affect my Insurance Cost?
Your location and driving habits can affect your insurance cost for a few reasons. For example, if you live in an area with a high crime rate, your insurance company may charge you more for coverage. Additionally, your insurance company may charge you more if you have a long commute or frequently drive in high-risk areas.
Direct Auto Insurance is a beautiful choice for those having trouble finding auto insurance elsewhere. It provides life and auto insurance for drivers who pose a danger. They even offer a variety of payment alternatives. Compared to comparable companies, the complaint count is higher than normal. It’s also important to remember that Direct Auto does not provide extras like gap or ridesharing insurance.