Direct Auto Car Insurance Review [2024]

What You Should Know About direct auto insurance

Direct Auto may be a good insurance option for people with infractions on their driving records, but certain aspects of the company are not desirable.

For example, the Direct Auto customer service department needs adjustments. According to the National Association of Insurance Commissioners (NAIC), Direct Auto has a complaint index of 2.49, meaning it more than doubles the expected number of customer complaints for a company of its size. In addition, Direct Auto insurance reviews from customers suggest the company needs to be more timely and more effective with its customer service. 

Direct Auto also placed low on the J.D. Power evaluation of car insurance companies in the southeast. Direct Auto ranked 14th out of 18 companies in the study.

Fortunately, Direct Auto does boast an A+ (Excellent) financial strength rating from A.M. Best. In addition, Direct Auto has a stable outlook for future endeavors, which may make you feel more comfortable purchasing a policy with the company.

direct auto insurance Insurance Coverage Options

Direct Auto offers the standard auto insurance coverage options you would expect from any insurance company. These coverage options include:

• Property damage liability. Property damage liability protects you if you’re in an accident and cause damage to another person’s car or other property.
• Bodily injury liability. Bodily injury liability protects you if you’re in an accident and injure someone else.
• Personal injury protection (PIP). PIP coverage helps with medical bills, lost wages, and other expenses associated with injuries from a covered accident.
• Medical payments (MedPay). MedPay covers medical bills, doctor visits, and other medical necessities associated with a covered accident.
• Uninsured/underinsured motorist coverage. Uninsured/underinsured motorist coverage helps if someone else hits your car but does not carry proper auto insurance. Direct Auto waives any deductible associated with this coverage.
• Collision insurance. Collision coverage helps if you are at fault in an accident and your vehicle is damaged.
• Comprehensive insurance. Comprehensive insurance helps if your car is damaged by something other than an accident, like inclement weather, wild animals, or vandalism.

If you are looking for robust add-on options to help customize your policy, Direct Auto may be disappointing. The company only offers the following four options for add-on coverage:

• Rental reimbursement. If you need to rent a car because yours is in a shop following a covered event, Direct Auto will reimburse you for the cost of renting a car up to a specific dollar amount.
• Towing and labor. With this coverage, your vehicle will be towed if you’re ever stranded. You must carry a full coverage policy with collision and comprehensive insurance to purchase towing and labor.
• Accidental death. If you die in a covered accident, Direct Auto will pay $5,000 to your beneficiaries.
• Customizable payments. Direct Auto allows you to customize how you pay for your insurance.

Unfortunately, Direct Auto does not offer new car replacement, gap insurance, or rideshare coverage. However, Direct Auto may be a great option if you are looking for a simple car insurance policy that meets your state’s minimum coverage requirements.

direct auto insurance Insurance Rates Breakdown

Car insurance rates fluctuate for several reasons. When you shop for car insurance, it’s important to find and compare quotes from multiple companies to see which offers the coverage you want at the lowest price. Insurance companies consider different factors when determining your car insurance rates. Some of the most important factors include:

• Age
• Gender
• Marital status
• Location
• Driving history
• Credit score
• Car make and model
• Coverage type

Though all companies consider roughly the same factors, they vary in how they weigh these factors. For example, if you have bad credit, a company that pays less attention to your credit score and more attention to your driving record may offer you cheaper coverage.

Comparing car insurance quotes is important to ensure you aren’t overpaying for your coverage. Unfortunately, Direct Auto offers rates that are often higher than the national average and many other insurance companies in the industry.

How much is Direct Auto car insurance for teen drivers?

Teen drivers pay more for car insurance than any other demographic on average. Most insurance companies see teen and young adult drivers as a risk because they lack experience behind the wheel. So if you’re a teen driver, or if you have a teen driver living in your home, you can expect to pay more for car insurance. Here’s how to compare car insurance rates for teens:

Auto insurance rates with Direct Auto are often higher than rates with other well-known companies. For example, Direct Auto car insurance is 35% higher than the national average for women and 27% higher for men. So if you purchase car insurance for your teenager through Direct Auto, you’ll pay more than you would for coverage with companies like USAA, Geico, and Allstate.

How much is Direct Auto car insurance for young adults?

You should get cheaper rates for car insurance coverage once you are 25 years old or older. Still, car insurance rates for young adults can fluctuate based on your gender, location, coverage, and more.