Direct General Car Insurance Review [2020]

Direct General car insurance is based in Nashville, TN, and has more than 420 offices. Direct General offers car insurance even to high-risk drivers will a poor record.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Nov 9, 2021

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Company Details
Address: 1281 Murfreesboro Road
City: Nashville
State: TN
ZIP Code: 37217-2432
Phone Number: 615-399-4700
Year Founded: 1991
AM Best Rating: A- u (Excellent)
Company Rating 1 (1 review)

Here's what you need to know...

  • Direct General offers car insurance coverage to high-risk drivers
  • The company operates through a network of more than 420 offices
  • Direct General allows individuals to customize their payments

Direct General is headquartered in Nashville, Tennessee. The company provides insurance services — along with other products — through a network of more than 420 offices. Residents of 13 states can get an auto policy from Direct General, and they market largely to high risk drivers.

Direct General can help you get insurance even if you have bad credit or a poor driving history. If you need high-risk insurance, Direct General will work with you to get you an insurance policy that meets your needs. Keep in mind, they’re not a price leader in insurance premiums, especially for drivers with spotless records. They’re willing to provide proof of insurance when more conservative companies won’t.

Continue reading this Direct General auto insurance review and then compare car insurance rates from multiple companies for FREE using our quote tool above!

What coverage options do you have with Direct Auto?

Direct General offers multiple car insurance coverage options, including:

  • Emergency Protection Plan – This coverage can help you with expenses such as ambulance assistance, medical fees, and personal items. This plan may be able to provide you with emergency cash.
  • Direct Roadside Assistance – This plan can help you to get a tow truck dispatched, mechanical first aid, or a jump start. If you are locked out of your vehicle, this plan can help you to get your car unlocked or make new keys for you.
  • Accidental Death – This coverage will pay $5000 death benefit if you die as a result of a covered loss in your vehicle.
  • Comprehensive Coverage – If you have a few marks on your driving record, you can still get affordable rates on comprehensive coverage. You can also get collision insurance to protect your interests in an accident.
  • Liability Coverage – If you just want to meet state minimums to get on the road, average cost drops dramatically wherever you go. If you’re seeking insurance advice, an insurance agent would factor in things like your driving record, what you drive, and other factors that determine how beneficial comprehensive insurance would be for you. While the lower average cost for insurance premiums may be appealing, it could cost you if you have to replace your car on your own after an accident.

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Can you customize your payments with Direct General?

Clients also have several options when it comes to paying their premiums with Direct General:

  • Choose Your Payment Date – You can select the date that your payment is due with Direct General.
  • Plan Your Payment Schedule – There are payment options that will allow you to pay the Direct General policy in full or once per month.
  • Monthly Payment – Should you choose to pay your premium once a month, you can lower your monthly payment amount by paying more up front.

More on Direct General

While you cannot file a claim online with Direct General, the company does allow you to receive online quotes for car insurance.

Before you decide whether Direct General is right for you, compare rates from multiple companies to ensure you find the best deal.

In fact, you can compare car insurance rates for FREE right now using our comparison tool below!




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