Direct Auto Insurance

Company Name: Direct Auto Insurance

Headquarters: Nashville, TN, United States

PHONE: 1-312-568-4500

CEO: Barry Karfunkel

Founded: 1991

Location: 1281 Murfreesboro Road

Nashville, TN 37217, US

website : www.directauto.com

 phone number: (901) 396-8989

Direct auto insurance

Companies acquired: Direct Auto Insurance, Westminster American Insurance

Specialities: Auto Insurance, Motorcycle Insurance, Term Life Insurance, and Non-Standard Insurance

SIC: 6411,641

NAICS: 5242,524

About Direct Auto Insurance, Griffin ga

Direct Auto Insurance is part of the Direct General Group, not to be confused with The General. This group caters to high-risk drivers who cannot get car insurance elsewhere. If you have been denied coverage for at-fault accidents, poor credit, or any other reasons, this insurance may be a good fit.

This insurance company is for those who have non-standard needs in auto insurance. It is a great option for drivers who have been rejected by other companies or are high-risk, or who require SR22 certification.

Direct Auto insurance products

The Direct General Group also offers car insurance and renters insurance. It also offers motorcycle, term, and commercial auto insurance. Memberships are available for its roadside assistance and vehicle protection plans. It offers policies in 11 states, with a concentration in the south.

Direct Auto offers additional options to standard liability and full coverage protection.

  • Accidental Death Coverage: This option pays $5,000 to the beneficiaries of the decedent.
  • Rental reimbursement – This covers the rental cost of a car for customers who are unable to drive after an accident.
  • Roadside assistance – Customers who purchase this coverage receive 24 hour emergency towing, gas delivery and jump start for dead batteries, mechanical assistance through Direct Auto’s roadside technicians, lockout service, and a concierge who will provide maps and routes for road trips.
  • Towing – This benefit is included in full-coverage premiums and covers towing costs up to the limit in the plan for vehicles that are disabled due to an accident or mechanical failure.

Cost of Direct Auto car insurance

It can be quite costly, especially when compared to the national average. The company’s minimum coverage costs drivers $1,034 annually, while full coverage costs $2,591. The national average cost for minimum coverage is $563 per year, while the national average annual cost for full coverage is $1,738

Auto Average Annual Premium for Minimum Insurance Full Coverage Average Annual Premium
$1,034 $2,591

Discounts

Direct auto insurance offers discounts such:

  • Outstanding student: Customers on the Dean’s List and/or who have a B grade in high school or college coursework will get a 10% discount off their premium.
  • Safe driver: Customers with a minimum of 36 months without an accident and no moving violations are eligible to receive a 10% discount.
  • Senior citizen: Those 55 and over may be eligible for a 5% discount on their insurance. The qualifications for each state will be different.
  • Multicar: Households that insure more than one vehicle through Direct Auto may qualify for a discount of up to 25%
  • Policy renewal: Direct Auto offers a 20% Discount for drivers who renew their policies within 7-10 business days of expiration.
  • Welcome back: Direct Auto offers a discount of 6% to customers who have been with Direct Auto more than six months, and who live in an area that permits the discount.

Additional Auto insurance discounts

Military personnel discount

If you have had insurance with your former company for at most six months with no more than 90 days lapse, you will be eligible for a discount.

Homeowner discount.

Direct Discounts for Drivers who have purchased a policy in the last six months, but not had one in the past 6 months. An affinity discount is available to active members of certain organisations.

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Direct Auto Renters Insurance

Direct Auto offers renters insurance policies to protect your personal property against loss or damage. Every policy includes the following coverage:

  • Personal property Your renters insurance will cover the cost of replacing personal items that have been damaged or destroyed by a covered event.
  • Personal liability: You are covered in the case of an injury to someone at your home. You are also covered if you cause injury or property damage to another person.
  • Temporary living expenses In the event that you are unable to move into your home due to a fire, flood, or other natural disaster, temporary living costs will pay for your food and hotel bills until you return.

The company does NOT offer renters insurance discounts. Renters insurance is the most affordable type. Your rate will still be affordable even without a discount. For details on any discounts that are not yet announced, please ask a representative.

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Direct Auto reviews and ratings

As it is still a new company, reviews about direct auto insurance are limited. It is also only available in a handful of states. Overall the company has good reviews.

To better understand customer opinions, we compared ratings from AM Best and Direct Auto. AM Best’s rating is a reflection of financial strength, while the BBB shows customer satisfaction.

According to results of the BBB customers, most often complain about the slow response times from the company’s customer service team. Customers were not contacted by Direct Auto representatives for two weeks. Many issues remain unresolved.

Rating organization Rating
AM Best A-
Better Business Bureau A

AM Best, the National Association of Insurance Commissioners and the Better Business Bureau (BBB) use different criteria for grading auto insurance companies. These metrics allow consumers to decide whether they would like to work with a specific car insurance company. Direct General Auto Insurance has a low rate of customer satisfaction.This is despite having a better-than-average BBB rating.

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Ratio of Customer Complaints

A large number of complaints relative to the national index. According to data from the National Association of Insurance Commissioners, Direct Auto received more complaints than expected about auto insurance and more than expected complaints about life insurance to state regulators. This is based on three years of data.

The National Association of Insurance Commissioners has created a customer complaints ratio that helps customers determine their satisfaction with their car insurer. Direct General Auto Insurance Company scores 2.49, more than twice the national average.

Financial Strength

AM Best’s Financial Strength Rating measures how easy a company is to pay claims. This rating is not intended to be a guarantee or warranty, but it can help you choose the right car insurance company when you compare auto quotes. Direct General Auto Insurance has been awarded an A- Rating. This means that they are stable and should be able to pay claims.

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Direct Auto: Why it is a good choice!

The company offers many discounts, making it a tempting option for auto insurance. Direct Auto is one of few insurance companies that offers discounts to customers who renew their policies and return to the company. Direct Auto is a great option for high-risk drivers with poor credit history or poor driving records who are having difficulty getting affordable insurance.

Great Car Insurance Rates in Griffin GA

  • Griffin’s Direct Auto Insurance representatives, located at 426 North Expressway, can also help you customize your insurance coverage to comply with Georgia driving laws. You can also call 877-GODIRECT to visit your closest Griffin Direct Auto Insurance office. 

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FAQ’s about direct auto insurance griffin ga

Where can Direct Auto sell policies in the United States?

Direct Auto provides car insurance in Alabama and Arkansas, Florida, Georgia. Mississippi, North Carolina. Ohio. South Carolina. Tennessee. Virginia.

How can you file a claim for Direct Auto?

Direct Auto allows you to file a claim online or by phone.

How can I get a quote for Direct Auto?

Online, by phone, or in person at one of Direct Auto’s local shops, you can request an auto quote.

What are the additional policies that company offers?

You can get a quote for Direct Auto Insurance for motorcycles, Mexico auto insurance, commercial auto insurance, Mexico car insurance, supplemental life, term insurance and renters insurance.

How do I file an Auto Insurance Direct claim?

Call Direct Auto immediately after an accident at 1-800-403-1077, and choose option 2.

How can I check the status of a claim?

Select option 3 when you call Direct Auto at 1-800-403-1077.

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