Direct Auto and Life Insurance was the first insurance company in the Direct General Group. It was founded on April 12,1991 by William Adair. Adair had a vision to create an option for all drivers when it comes to obtaining auto insurance. Serving the southeast, Direct Auto has found a way to provide customers with competitive rates, flexible payment plans, and general services regardless of their past driving history.
- Payment options
It is not uncommon for drivers with poor driving history to be charged exceptionally high rates for auto insurance or to be denied by a provider entirely. However, with Direct Auto, they make low rates a possibility for all drivers. With low monthly payments, low down payments, no checking account or credit card needed, and multiple discounts available, low rates are attainable.
Through Direct Auto, there are a number of extra features and services that customers can take advantage of. These premium services apply to almost all coverages and plans (with some exceptions). Services include: text to pay, online bill pay, mobile proof of insurance, term life insurance, 24/7 roadside assistance, emergency protection plans, payment kiosks, DirectDrive app, toll-free access to friendly agents by phone, and convenient neighborhood locations.
The team at Direct Auto understands that everyone comes from different financial backgrounds and may have varying preferences. Direct Auto does not require a one-size-fits-all approach to payment, so they offer flexible payment schedules. Customers will be able to choose a payment date that fits their personal financial schedule. This allows clients to plan payment schedules according to a specific budget/spending ability. Then, customers get to decide how they want to pay whether that is online, in person, over the phone, by text, or through another platform.
With Direct Auto and Life Insurance, there are a number of ways to make insurance more affordable. Not only can drivers get a low rate, but there are possible discounts that may apply upon eligibility requirements being met. For driver there are four discounts include: safe driver, military, good student, and senior citizen discount. For the actual vehicle there are: multi-car and mileage discounts, On behalf of the policy, there are a number of discounts include: prior coverage, renewal, homeowner, affinity, multi-product, and the welcome back discount.
- No online file claim service
Currently, Direct Auto and Life Insurance only operates in the southeast. That means those who do not live in this region will not be able to take advantage of the Direct Auto coverages. States that Direct Auto can be found in include: Texas, Arkansas, Missouri, Mississippi, Alabama, Florida, South Carolina, North Carolina, Virginia, and Tennessee.
No Online File Claim Service
There is a transition auto insurance providers have made over the last few years. Following an accident, customers can immediately file a claim online and then track the progress of that same claim. This speeds up the process and reduces communication errors. However, at this time, Direct Auto does not provide this feature to their clients.
Types of Coverage
Similar to other insurance providers, customers will be able to decide what forms of coverage they need. That being said, there are state requirements that need to be met. Types of coverage available through Direct Auto include:
- Bodily injury liability coverage
- Property damage liability coverage
- Collision coverage
- Comprehensive coverage
- Medical payments auto coverage
- Personal injury protection
- Uninsured motorist auto coverage
- Rental reimbursement
- Towing and labor
- Accidental death coverage
There are a number of discounts available to Direct Auto and Life insurance customers. While customers will need to be eligible for these discounts to apply, there are a number of money saving opportunities available.
Driver discounts include:
- Safe driver discount: save up to 10%
- Military discount: save up to 25%
- Good student discount: save up to 10%
- Senior citizen discount: save up to 5%
Vehicle discounts include:
- Multi-car discount: save up to 25%
- Mileage discount: save up to 5%
Policy discounts include:
- Prior coverage discount: save up to 25%
- Renewal discount: save up to 20%
- Homeowner discount: save up to 15%
- Affinity discount: save up to 5%
- Multi-product discount: save up to 5%
- Welcome back discount: save up to 6%