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Direct Auto provides all the standard coverage types you'd expect:
Liability insurance: Meets state minimum requirements for bodily injury and property damage.
Collision & comprehensive: Protects your vehicle from accidents, theft, weather events, and more.
Uninsured/Underinsured Motorist: Adds a safety net when the other driver can’t pay.
Medical payments (MedPay) & PIP: Covers medical costs regardless of fault, depending on your state.
Rental reimbursement & towing: Optional add-ons for convenience.
They also provide SR-22 insurance, which is essential for high-risk drivers needing proof of financial responsibility.
Flexible Payment Plans: Choose from monthly, bi-weekly, or even weekly schedules.
Multilingual Agents: Available in English and Spanish.
Mobile App: Manage your policy, pay bills, and show digital ID cards.
Discounts: Up to 25% off for safe driving, good students, homeowners, and military members.
Direct Auto is a solid pick if:
You need SR-22 insurance or have a spotty driving record.
You want to pay in smaller, frequent installments.
You prefer face-to-face service at physical branches.
It may not be the best choice if you're looking for premium digital features or nationwide coverage.
Getting a quote is simple:
Visit directauto.com or a local office.
Enter basic details (car, driver history, location).
Choose a policy, tailor coverage, and set up a payment plan.
Submit your documents and make the first payment.
You can also apply via phone or mobile app.
Claims can be filed in three main ways:
Online: Through the claims portal.
Mobile App: Snap photos and file reports instantly.
Phone: Call 1-800-403-1077 (available 24/7).
Direct Auto’s claims process is straightforward, though some customers note slower resolutions than top-tier insurers
Does Direct Auto insure drivers with DUIs?
Yes. Direct Auto specializes in high-risk drivers, including those with DUIs.
Is Direct Auto owned by Allstate?
Yes. Direct Auto is part of National General, which is owned by Allstate.
Can I get a quote without a credit check?
In most states, Direct Auto uses credit scores. Some states limit this—check local rules.
Can I get same-day coverage?
Yes. You can buy a policy and get proof of insurance on the same day.
How do I show proof of insurance?
Use the mobile app, download from your account, or request a physical card.
What happens if I miss a payment?
You may get a grace period, but late fees or cancellation can apply. Call customer service to avoid lapses.
Does Direct Auto cover rental cars?
Only if you’ve added rental reimbursement or have coverage that extends to rentals. Check your policy.
How do I reinstate a canceled policy?
Call customer service. You may need to pay the balance and possible fees to reinstate coverage.
Is Direct Auto Insurance legit and financially stable?
Yes, Direct Auto is a legitimate and regulated insurer. It's a part of National General Insurance, which is a subsidiary of Allstate, one of the largest insurance providers in the U.S. This gives it financial backing and regulatory credibility.
How long does it take to file and process a claim?
Claims can be submitted 24/7 online, through the mobile app, or by calling 1-800-403-1077. Simple claims may be resolved in a few business days, while more complicated ones may take longer. Some customers report slower-than-average turnaround times.
Does Direct Auto Insurance check your credit score?
Yes, in most states, Direct Auto may use a credit-based insurance score to help determine your rate. However, some states restrict or prohibit this practice. If you're concerned about your credit, Direct Auto is known to still offer competitive pricing for drivers with lower scores.
Website: https://www.directauto.com
Phone (Customer Service): 1-877-463-4732
Phone (Claims): 1-800-403-1077 (24/7)
Email: service@directauto.com
Hours: Mon–Fri 8:00 AM–8:00 PM CST, Sat 10:00 AM–4:00 PM CST
Address: Direct Auto Insurance, 1281 Murfreesboro Pike, Nashville, TN 37217
While Direct Auto earns praise for accessibility and flexible payment options, it's not without criticism. The Better Business Bureau gives them an A+ rating, yet customer reviews vary—many complaints relate to billing misunderstandings or slower-than-expected claims processing.
On Trustpilot, the reviews are mixed, highlighting good service at local branches but occasional issues with call centers and online account access.
If you're looking for affordable car insurance with flexible payments and need help with SR-22s or past driving issues, Direct Auto is worth considering. They strike a unique balance between accessibility and simplicity, especially for underserved driver profiles.
However, if tech-savvy tools or nationwide coverage are priorities, you might want to explore other major insurers.
This review is based on information from Direct Auto's official website and reputable third-party sources, ensuring an accurate and unbiased evaluation.
Note: AI was used in the creation of this content, along with human validation and proofreading.
