Direct Auto Insurance: Good Or Bad?

Direct Auto Insurance is a non-standard insurance carrier that specializes in providing coverage for high-risk drivers. The company offers several types of auto insurance policies, including commercial, personal, motorcycle, and roadside assistance. It also provides life insurance solutions and is known for its flexible payment schedules. However, Direct Auto has received an above-average number of customer complaints, with instances of poor service quality. The company's mobile app is also not highly rated. Overall, Direct Auto Insurance is a good option for high-risk drivers seeking basic auto insurance coverage, but customers should be aware of potential issues with the company's service quality.

Direct Auto Insurance's customer service

Direct Auto Insurance has received mixed reviews for its customer service. While some customers have praised the company for its helpful representatives, others have criticised the company for its poor service quality.

Direct Auto Insurance is considered a non-standard insurance carrier, specialising in providing coverage for high-risk drivers or those who may struggle to find car insurance. Non-standard carriers are not known for providing a wide array of perks, but they often serve as a solid option for those looking to meet state-mandated liability coverage minimums.

Direct Auto Insurance has received a rating of 3/5 from The Zebra, 3.5/5 from NerdWallet, and 77/100 from MoneyGeek. According to the National Association of Insurance Commissioners (NAIC), Direct Auto Insurance has a higher-than-average number of customer complaints, with a customer complaint ratio of 2.49, more than twice the national average of 1.00. The company has also received an NAIC rating of "poor".

Direct Auto Insurance has an A+ rating from the Better Business Bureau (BBB), but recent customer satisfaction reviews on the BBB website are two stars or worse. On WalletHub, Direct Auto Insurance has an average rating of 4/5, but the company's NAIC rating is 10.92, indicating that it has more customer complaints than the average competitor, adjusted for size.

Some customers have praised Direct Auto Insurance for its helpful and professional customer service representatives, with one customer commending a representative for her tireless work on their policy over three days. Another customer praised the company for its competitive rates and respectful and courteous treatment in person.

However, other customers have criticised Direct Auto Insurance for its poor customer service. One customer shared their experience of being stranded on the side of the road with their baby, claiming that the company gave them the runaround when they needed to get their car towed. Another customer claimed that their policy was incorrect, and despite 8-9 attempts to have it rectified, the issue kept recurring. Other customers have also shared experiences of issues with billing, reimbursements, and policy cancellations.

Overall, Direct Auto Insurance has received mixed reviews for its customer service, with some customers praising the company for its helpful representatives, while others have criticised the company for its poor service quality and high number of customer complaints.

Direct Auto Insurance's coverage options

Direct Auto Insurance offers a range of coverage options for its customers. The company provides standard car insurance coverage, including liability, collision, and comprehensive insurance. It also offers uninsured and underinsured motorist coverage, personal injury protection, and medical payments coverage.

In addition to these basic coverages, Direct Auto Insurance has several optional add-ons. These include rental reimbursement, which covers rental car costs while the insured's vehicle is being repaired, and towing coverage, which helps with towing expenses if the car breaks down or is undrivable after an accident. The company also offers accidental death coverage, which provides a $5,000 benefit to beneficiaries if the insured dies in a covered loss.

Direct Auto Insurance also provides customizable payment options, allowing customers to set their payment dates and choose between full payments or instalment plans. The company also offers a range of discounts for things like being a safe driver, a good student, or a homeowner.

For those looking for additional types of insurance, Direct Auto Insurance also offers commercial auto insurance, life insurance, motorcycle insurance, and renters insurance. The company also provides Mexico auto insurance for those driving into Mexico, where US-based auto insurance does not apply.

Overall, Direct Auto Insurance has a variety of coverage options and add-ons to cater to the needs of its customers, particularly those who are considered high-risk drivers.

Direct Auto Insurance's discounts

Direct Auto Insurance offers a range of discounts to its customers. The company specialises in insurance for high-risk drivers, and its premiums are fairly standard compared to other car insurance companies. However, the range of discounts available may make coverage more affordable.

Direct Auto Insurance offers discounts of up to 25% for the following:

• Multi-policy: bundling your car insurance with another product, such as life insurance.
• Multi-car: insuring multiple cars under the same policy.

The company also offers discounts for:

• Safe drivers: drivers with three years free of accidents can save up to 10%.
• Good students: unmarried, full-time students can save up to 10%.
• Senior citizens: drivers aged 55 and over can save up to 5%.
• Military personnel: active-duty military can save up to 25%.
• Low mileage: drivers who travel fewer miles can save up to 5%.
• Prior coverage: if you have been continuously insured for at least 6 months with no more than a 90-day lapse, you can save up to 25%.
• Homeowners: people who own their home can save up to 15%.
• Renewal: save up to 20% by renewing your policy.
• Welcome back: returning customers can save 6%.
• Affinity: active members of any organisation partnering with Direct can save up to 5%.
• Payment and billing: paying in full, setting up automatic payments, or going paperless.
• Vehicle safety and security: driving a vehicle with certain safety and anti-theft features.

Direct Auto Insurance's life insurance

Direct Auto Insurance is a good option for those looking for basic auto insurance, especially high-risk drivers who may struggle to find insurance elsewhere. The company offers several types of auto insurance policies, including commercial, personal, motorcycle, and roadside assistance. However, it lacks the wide array of perks that other companies offer.

Direct Auto Insurance also offers life insurance policies, providing financial protection for your loved ones in the event of your death. The company offers individual one-year term life insurance levels of up to $25,000, although the coverage varies by state. The policy lasts for a set period, like six or twelve months, and guarantees a predetermined level of coverage as long as the policy provisions are met and premium payments are made.

Direct Auto's term life insurance is a good option for those who want temporary support for their family and loved ones. It is ideal for those who want to ensure their family can handle funeral expenses, pay bills, and live comfortably during a difficult adjustment period. The premiums are relatively affordable, with some coverage options starting at less than a dollar per day.

The company also offers flexible payment options, allowing customers to choose when and how they pay. Additionally, if you have auto insurance through Direct, you can pay for your auto and life insurance policies at the same time and place.

Direct Auto's life insurance application process is straightforward. You can apply by answering a few simple health-related questions, and no medical exam is required. The policy effective date, term length, and payment method can be chosen by the applicant.

Direct Auto Insurance's mobile app

Direct Auto Insurance is a non-standard insurance carrier that caters to high-risk drivers who may struggle to find car insurance. The company has an average rating, with competitive pricing but a large number of customer complaints.

Direct Auto Insurance has a mobile app called DirectDrive, which is available for both iOS and Android. The app allows users to track their driving behaviour and receive feedback on how to improve. It uses a smartphone's sensors to measure driving behaviours such as hard stops, accelerations, and decelerations. After each trip, the app calculates a user's driving score on a scale from "good" to "better" to "best" and tracks trip history over time. The app also includes a leaderboard that ranks the top drivers in each state, turning responsible driving into a competition.

In addition to tracking driving behaviour, the DirectDrive app also allows users to receive quotes, locate the nearest Direct Auto Insurance location, and make payments through a secure, one-touch payment system.

The company has also introduced text-to-pay billing, which allows customers to make payments through text message. This alternative payment method offers a flexible payment window, reducing the stress associated with rigid monthly payment schedules.

Frequently asked questions