Direct Auto Insurance Reviews

Direct Auto Insurance is an American insurance company that has served policyholders since 1991. In 2021, it became part of Allstate Insurance Company, which is the fourth-largest insurance company by premium volume in the U.S.

Direct Auto Insurance’s company mission is to provide affordable car insurance policies. It offers a selection of discounts and allows policyholders to customize payments that fit their budget.

Direct Auto Insurance offers a variety of car insurance coverage, including:

• Bodily injury: Helps pay for medical expenses caused by an at-fault accident that injures another person.
• Property damage: Covers repair and replacement costs to your vehicle as a result of an accident.
• Comprehensive: Covers damages not caused by a collision, like theft or storm damage.
• SR-22: Certificate of financial responsibility that’s required by drivers in certain states.
• Uninsured motorist coverage: Covers damages caused by an uninsured driver.
• Personal injury protection: Helps pay for medical expenses and lost wages.
• Rental reimbursement: Covers rental car costs if you can’t drive your vehicle after an accident.
• Medical payments: Covers hospital, medical and funeral expenses for you and your passengers as a result of an accident.
• Roadside assistance: 24/7 towing, fuel delivery services, lockout assistance, battery jump start and mechanical help.

Direct Auto Insurance also offers policies for commercial vehicles and motorcycles. The company provides an account portal online and on the mobile app that allows you to pay bills and submit claims 24/7.

You can request a free quote online to get started with Direct Auto Insurance. You may be asked questions about the following, all of which are factors that affect your rates:

• Age, marital status and gender (depending on your state)
• Location
• Year, make and model of vehicle
• Credit history
• Driving history (accidents or violations in the past three years)
• Type of coverage

Direct Auto Insurance offers several discounts, which the company claims could save you up to 30% on your premium altogether. Company discounts include:

• DynamicDrive: Save up to 10% by enrolling in and using the DynamicDrive app. The app monitors your driving behavior and reports a performance score to the company. Safe drivers earn a higher score, which results in premium savings.
• Payment: Sign up for automatic payments to save up to 5%. Direct Auto Insurance also offers a paperless discount of up to 1% if you opt for e-document delivery. If you can pay your policy in full upfront, you could also save up to 9% on your premium.
• Multicar: Save up to 25% if you enroll more than one vehicle.
• Military: Active service members of the U.S. armed forces can save up to 25%
• Good student: Full-time students with good grades can save up to 10%
• Senior citizen: Adults 55 years and older who complete a qualifying accident prevention course can save up to 5%
• Safe driver: Save up to 10% if you haven’t been in an accident or received a driving violation within a certain time frame
• Driver education: Save up to 10% for completing a safe driving course

It’s important to note that not all discounts are offered in every state. For example, DynamicDrive is not available in California and New York.

Direct Auto Insurance has over 40 years of experience in the industry and is a part of one of the four largest insurance companies in the country (Allstate). It offers a wide range of discounts, which can make car insurance policies more affordable, especially for individuals with a clean driving record but less-than-ideal credit. Also, the convenient mobile app makes it easy to sign up for a policy and file a claim.