Direct Auto Insurance is a non-standard automobile insurance company that offers a range of insurance products and services to customers across the Southeast. Founded in 1991 by William Adair, the company has grown rapidly and now provides low rates, flexible payment plans, and great service to its customers.
Direct Auto Insurance offers a variety of insurance products, including liability coverage, comprehensive and collision coverage, and term life insurance policies. Customers can also take advantage of 24/7 claims service and roadside assistance, ensuring they are protected and supported on the road and everywhere in between. The company's agents work closely with customers to ensure they have the right coverage for their needs and budget, making it easy to get the protection they need without breaking the bank.
Overall, Direct Auto Insurance is a reliable and affordable option for customers looking for non-standard automobile insurance. With a focus on quality coverages and great services, the company is committed to helping customers drive legally and protect their financial future.
Direct Auto Insurance is an insurance company that offers a range of insurance products to drivers in the United States. The company was founded in 1991 and is headquartered in Nashville, Tennessee. Direct Auto Insurance specializes in providing coverage to high-risk customers, including those who have had accidents, traffic violations, or have been convicted of DUI.
Direct Auto Insurance offers a variety of insurance products, including auto, life, health, and renters insurance. The company's auto insurance policies provide coverage for liability, collision, and comprehensive damage, as well as uninsured/underinsured motorist coverage. Direct Auto Insurance also offers roadside assistance and 24/7 claims service to its customers.
One of the unique features of Direct Auto Insurance is its flexible payment options. The company allows customers to choose their payment frequency, whether it be monthly, bi-weekly, or annually. Direct Auto Insurance also offers a variety of discounts to its customers, including safe driver discounts, multi-car discounts, and military discounts.
Overall, Direct Auto Insurance is a good option for drivers who are considered high-risk and may have difficulty obtaining coverage from other insurance companies. The company's flexible payment options and discounts make it a more affordable choice for those who need insurance coverage.
Direct Auto Insurance is a subsidiary of National General Holdings Corp, a publicly traded company. As such, the financial ratings of National General Holdings Corp are important to consider when evaluating the financial stability of Direct Auto Insurance.
According to A.M. Best, a leading credit rating agency, National General Holdings Corp has an A rating, indicating excellent financial stability. This rating is based on the company's strong balance sheet, solid operating performance, and favorable business profile.
In addition, National General Holdings Corp has a BBB rating from Standard & Poor's, indicating adequate financial security. This rating is based on the company's strong competitive position in the insurance market, diversified business mix, and solid capitalization.
Overall, the financial ratings of National General Holdings Corp suggest that Direct Auto Insurance is a financially stable company that is well-positioned to meet its obligations to policyholders. However, it is important to note that financial ratings are just one factor to consider when choosing an insurance provider. Prospective policyholders should also consider factors such as coverage options, customer service, and pricing when evaluating Direct Auto Insurance.
Direct Auto Insurance has mixed ratings and reviews from customers and industry experts. While the company has a rating of A+ from the Better Business Bureau (BBB), it has a high NAIC complaint ratio of 10.92, which means it has more customer complaints than the average competitor, adjusted for size.
On WalletHub, Direct Auto Insurance has a rating of 4.0 out of 5 based on over 1,800 user ratings. Customers generally praise the company's customer service and affordable rates, but some report issues with claims handling and billing.
NerdWallet's auto insurance ratings give Direct Auto Insurance a score of 3.5 out of 5 stars. The company is commended for its customer-first features and practices, such as its mobile app and online account management tools. However, Direct Auto Insurance is criticized for its limited coverage options and lack of discounts.
Overall, Direct Auto Insurance may be a good option for high-risk drivers who have trouble finding coverage elsewhere. However, customers should be aware of the company's high complaint ratio and limited coverage options before making a decision. As with any insurance company, it is important to compare rates and coverage options from multiple providers to find the best policy for your needs.
| City | Average Annual Direct Auto Insurance Auto Insurance Rate |
|---|---|
| Houston | $1318 |
| Galveston | $1131 |
| Richmond | $1123 |
| Beaumont | $1109 |
| McKinney | $929 |
| Conroe | $927 |
| Corpus Christi | $917 |
| Angleton | $902 |
| Denton | $889 |
| Fort Worth | $869 |
| Dallas | $866 |
| Austin | $850 |
| Brownsville | $822 |
| Edinburg | $786 |
| Lubbock | $779 |
| San Antonio | $775 |
| Laredo | $746 |
| El Paso | $697 |
| Georgetown | $635 |
| Waco | $629 |
| Belton | $516 |
When it comes to Direct Auto Insurance, customers have a range of coverage options to choose from. Here are the different types of coverage offered by Direct Auto Insurance:
Liability coverage is a type of insurance that covers damages that you may cause to others in an accident. Direct Auto Insurance offers liability coverage that meets the minimum state requirements. This coverage includes bodily injury liability and property damage liability.
Collision coverage is a type of insurance that covers damages to your vehicle if you are involved in an accident with another vehicle or object. Direct Auto Insurance offers collision coverage that pays for the cost of repairs or replacement of your vehicle.
Comprehensive coverage is a type of insurance that covers damages to your vehicle that are not caused by a collision. This includes damages from theft, vandalism, natural disasters, and more. Direct Auto Insurance offers comprehensive coverage that pays for the cost of repairs or replacement of your vehicle.
Personal injury protection (PIP) is a type of insurance that covers medical expenses and lost wages for you and your passengers if you are involved in an accident. Direct Auto Insurance offers PIP coverage that can help you pay for medical expenses and lost wages if you are injured in an accident.
Uninsured/underinsured motorist coverage is a type of insurance that covers damages that you may suffer in an accident caused by a driver who does not have insurance or does not have enough insurance to cover the damages. Direct Auto Insurance offers uninsured/underinsured motorist coverage that can help you pay for damages and medical expenses in these situations.
Overall, Direct Auto Insurance offers a range of coverage options that can help protect you and your vehicle in the event of an accident. It is important to carefully consider your options and choose the coverage that best meets your needs and budget.
Direct Auto Insurance offers a variety of discounts to help customers save money on their car insurance policies. These discounts include:
Customers who insure more than one vehicle with Direct Auto Insurance can take advantage of the Multi-Car Discount. This discount can help customers save up to 25% on their car insurance premiums. To qualify for this discount, customers must insure all of their vehicles with Direct Auto Insurance.
Direct Auto Insurance offers a Safe Driver Discount to customers who have a clean driving record. Customers who have not had any accidents or traffic violations in the past three years may be eligible for this discount. The Safe Driver Discount can help customers save up to 10% on their car insurance premiums.
Students who maintain a B average or higher may be eligible for the Good Student Discount. This discount can help students save up to 10% on their car insurance premiums. To qualify for this discount, students must provide proof of their grades to Direct Auto Insurance.
Direct Auto Insurance offers a discount to active and retired military personnel. This discount can help military personnel save up to 25% on their car insurance premiums. To qualify for this discount, military personnel must provide proof of their service to Direct Auto Insurance.
Customers who own their own home may be eligible for the Homeowner Discount. This discount can help customers save up to 10% on their car insurance premiums. To qualify for this discount, customers must provide proof of homeownership to Direct Auto Insurance.
Overall, Direct Auto Insurance offers a variety of discounts to help customers save money on their car insurance policies. Customers should speak to a Direct Auto Insurance agent to determine which discounts they may be eligible for.
Direct Auto Insurance offers a straightforward claims process that is designed to make it easy for customers to file a claim, get an estimate, and repair their vehicle. Here's what you need to know about the claims process:
If you need to file a claim with Direct Auto Insurance, you can do so online or over the phone. Simply log into your account on the Direct Auto Insurance website, or call the claims department at 1-800-403-1077. A claims specialist will guide you through the process and help you get started.
When you file a claim, you will need to provide some basic information about the incident, including the date and time of the accident, the location, and a description of what happened. You will also need to provide your policy number, your contact information, and the contact information of any other parties involved in the incident.
Once you have filed a claim, you will need to get an estimate of the damage to your vehicle. Direct Auto Insurance has a network of trusted repair shops that can provide estimates and perform repairs. You can choose to use one of these shops, or you can choose your own repair shop.
If you choose to use one of Direct Auto Insurance's preferred repair shops, the shop will work directly with the insurance company to get the repairs done as quickly as possible. If you choose your own repair shop, you will need to provide the estimate to the insurance company for approval before any repairs can be made.
After you have received an estimate and the repairs have been approved, you can get your vehicle repaired. Direct Auto Insurance will work with the repair shop to make sure the repairs are done correctly and that you are satisfied with the work.
If you have rental car coverage on your policy, Direct Auto Insurance can also provide you with a rental car while your vehicle is being repaired. This can help you get back on the road quickly and minimize any disruption to your daily routine.
Overall, Direct Auto Insurance's claims process is designed to be simple and straightforward. By filing a claim, getting an estimate, and repairing your vehicle, you can get back on the road quickly and with minimal hassle.
Direct Auto Insurance is committed to providing exceptional customer service to its policyholders. They offer a range of options for customers to manage their accounts and get assistance when needed.
Customers can manage their policies online through Direct Auto's website. The online portal allows customers to view policy details, make payments, and update personal information. The website also has a helpful FAQ section that addresses common questions and concerns.
Direct Auto Insurance has a mobile app that is available for both iOS and Android devices. The app allows customers to manage their policies on-the-go, view ID cards, and make payments. The app also has a feature that allows customers to locate nearby Direct Auto Insurance locations.
Direct Auto Insurance provides 24/7 customer support to its policyholders. Customers can reach out to the company via phone, email, or live chat. Direct Auto Insurance also has a claims hotline that is available 24/7 for customers to report accidents and file claims.
In addition to these options, Direct Auto Insurance has a team of customer service representatives who are available to assist customers with any questions or concerns. The company is committed to providing prompt and courteous service to all of its policyholders.
