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Company Spotlight: Direct Auto Car Insurance

Shopping for car insurance can be quite an ordeal. First you have to get a car, and then you have to figure out what type of insurance to get. The type of insurance will depend on the kind of car you get, and whether you’ve leased it or bought it. You will also have to be aware of local state laws regarding car insurance coverage. There are so many companies to research and lots of information to find. Well, here is a spotlight on one auto insurance company, Direct General, to make your research process even easier. As you can see they are a top notch company that puts the customer above the bottom line, and it works out nicely for everyone involved.

Direct Auto Life History

Direct Insurance is a company that offers auto life insurance you need. It’s part of the Direct General Group which was founded in 1991, on April 10 to be exact. The company’s founder William Adair wanted to create a new type of insurance company that would be better than the standard fare. He wanted a regional insurance provider that could provide exceptional customer service to clients, as well as rates that were lower than other companies. His dream has come to fruition, as the company has grown throughout the Southeast of the US over the past 25+ years. The company is based in Nashville, TN and offers more than just car insurance. They also insure motorcycles, offer life insurance plans and have comprehensive roadside assistance for their members. Their specialty is in covering people who are not the average auto insurance client. They help people who are high risk drivers in tough situations. Their clients need insurance but don’t want to bleed themselves dry paying for vehicle insurance. They also allow pay out pocket options for those without a bank account, making car insurance accessible to anyone and everyone.

Direct General Philosophies

Any great insurance company has to be based on good philosophies to keep them in business. That’s because happy clients mean successful car insurance companies! They have several tenets of business that make them one of the best car insurers in the South East.

First of all, they believe in always doing the right thing. The company holds employees to a high ethical standard and enables them to do what they think is right. They love honest communication and foster openness and high moral standing between their employees at the office, and between insurance agents and customers.

The company is also very focused on getting great results. They make sure to meet deadlines and develop plans to make sure that clients are satisfied and everything is done the way it is supposed to be.

One of the most important ideas of the company philosophy is to be flexible. Unlike some insurance providers which are super rigid and won’t adapt to new situations, Direct General allows their employees to come up with creative ideas and ways to get their clients exactly what they need. It’s really important to have this quality in an insurance provider because you know they’ll be able to help you out when you really need it most.

And of course, Direct General loves to provide amazing customer service. They like being your neighborhood insurance agent who will help you in your time of need, and they know how important that position is in your life. Great customer service should be a high point of any insurance company’s philosophies, but unfortunately, that’s not always the case. With Direct auto and life insurance, you know that it is!

Benefits of Direct General

There are many benefits of choosing your insurance with the company Direct General. First of all, they value customer service so highly that you will definitely be able to find something to work for you. Even if you have a terrible driving record, bad credit or some other difficult situation, you will still be able to find a way to work with Direct General, most likely.

Here are some other benefits:

  • You get to pick between having a low down payment or lower monthly payments. So, you have some flexibility in choosing what your monthly car insurance expenses will be. You also get to choose what your payment date will be so you can plan it with your cash flow. 
  • You do not need to have a credit card or bank account. You can even pay for the insurance with cash at one of the company’s 400 in person locations.
  • They have lots of modern conveniences involved in your car insurance experience. These include paying via text message or online. You can also have proof of insurance via your smartphone if you are one of those types who always forgets to carry it around with you. 
  • Direct General offers car insurance for high risk drivers. Even if your license has been suspended and you need SR-22 certification, Direct General wants to find a way to work with you. 

Types of Discounts Available

There are many types of discounts available for people who want to try Direct General. They have so many things that you might be eligible for. Some people qualify for as much as 25% off their original auto insurance quote. 

1. Military Discount

If you are an active military member, with papers that you can show your car insurance agent, then you can save up to 25% on your auto coverage premiums. Clearly the company is proud to support active service members by giving them a bit of help with their car insurance payments.

2. Ages 55+

If you are a senior citizen above the age of 55 you will qualify for a 5% discount. Most retirees are on a fixed income and it’s not as easy to pay for things at that stage in life. In order to qualify for the discount older folks will have to take a car accident prevention class.

3. Good Students

High school and college students who are unmarried can get good student car insurance discounts that may be as much as 10%. Even vocational students can qualify! As long as you have a B average or better, are on the “Dean’s List” or are in the upper 20% of your class you can save big on your car insurance.

4. Good Drivers

Many companies offer an auto insurance discount for save driving. But, do they offer up to 10% off like Direct? If you haven’t had any violations on your record for 3 years you can qualify for a good driver discount on your car insurance.

5. Friends and Partners

If you are member of an “affinity” group that Direct offers discounts to, you may qualify for up to 5% off of your auto coverage that you need. You will have to contact the company to find out what their groups covered under this partnership are.

6. Just for Renewing

Direct offers up to 20% off if you have not let your policy lapse in the past year and renew your policy 7-10 days before it expires. Just renewing your policy is excellent for your car insurance budget.

7. Switching Back

If you used to have Direct car insurance, but switched to something else and at least 6 months have passed, you can get a 6% discount just for coming back to the company. It makes sense to shop around for car insurance, and Direct General makes it clear they want their customers by offering lower rates for coming back to their great customer service offerings.

8. Just for Owning a Home

This car insurance company gives homeowners up to 15% off car insurance. Unfortunately this doesn’t apply to mobile homes, but does apply to houses, condos and townhouses. They know that there are extra costs associated with owning a home, and your house is where you will keep your car!

9. Prior Coverage

If you have not had your insurance lapse for more than 90 days before joining Direct General for your auto insurance needs, then you will be able to qualify for a 25% discount just for having had coverage before choosing this new insurance company for your coverage. It’s really as easy as that.

10. Going for Bundles

If you bundle car insurance with life insurance, emergency protection or roadside assistance, you can save up to 5% on your car insurance. This is a great way to save money on your auto coverage and life insurance too! Saving is always great.

11. Not Driving too Much

A mileage discount is given up to 5% off when you don’t drive that much. If you drive under a certain amount of miles per year, this discount can be applied to your car insurance plan.

12. More than One Car

You can save up to 25% on your car insurance just by having more than one car on your plan. If you want to insure all of your family’s cars, then you can save big by covering them all on the same plan. It only makes sense.

So, you see, even if you have a bad driving record with a suspension on your record and you are considered a high risk driver there are still tons of ways you can qualify for affordable health insurance. Don’t despair because you don’t think you will be able to afford car insurance. You definitely can with so many discount options.

Direct General Tips

Direct General has some tips on what to do if you get into a car accident and general road safety, regardless of who your insurance provider is.

First of all, here are some things you can keep in your car which will help you if you ever get into a car accident.

  • A flashlight is needed for nighttime incidents. 
  • A first aid kit will help with any minor injuries that do not need professional medical attention. It can also help to provide first aid until first responders arrive.
  • Get a road kit. It has some flares or reflective road markings to let other drivers know it may be dangerous.
  • Your emergency contact list should be in your car. That way everyone you know will be contacted in the case of an emergency even faster in case you’re not able to let them know what happened right away.
  • A notepad and pen is great because you can write things down even if your smartphone gets damaged in an accident. For most things like taking pictures and writing notes you can still rely on your mobile device, but having some paper and a pen just in case is a great idea.
  • Always have your insurance and registration in your car in the event that you get pulled over or you get in an accident. Getting caught without it can be seriously bad news.

Here’s what you should do if you get into an accident according to Direct General:

  • First, pause for a moment and make sure you are OK.
  • Turn on hazard lights to let other cars know your vehicle is disabled.
  • Check yourself and others in the car for injuries.
  • If it’s more than just a fender bender call 911 to get proper documentation and assistance.
  • If you’re able, take pictures of the damage to the car and the license plate of the car too.
  • Exchange information with the other driver. You can just take a picture of all their information with your smartphone. You should make sure to get their name, a picture of their insurance card, their driver’s license and their car registration. 
  • Get all other information before leaving the scene. If you file a police report make sure to get the number, and get any passenger and witness information too.

Products Available

Now you know all about how affordable car insurance can be. But you want to know about what you might be getting through this unique insurance company. This is more than just a car insurance company because their goal is to provide comprehensive coverage on many levels.

1. Car Insurance

This is one of the primary offerings of Direct General. They cover cars and drivers even if you have bad credit or a rough driving record. You can talk to agents on the phone, in person or online to learn more about it, because the company believes in flexibility and great customer service over anything.

2. Motorcycle Insurance

If you have a motorcycle then you definitely need motorcycle insurance. The same understanding and customer care that comes with auto insurance comes with Direct auto chopper coverage. Whether you’ve got a cruiser or a scooter, you’ll appreciate knowing that you have proper coverage on the road.

3. Commercial Car Insurance

If your business owns or uses vehicles of any sort, they need to be covered in case anything happens on the job. You will want to get commercial vehicle insurance for any cars or trucks operated by your company. You need to protect yourself so you won’t be financially liable if anything happens on company time.

4. Roadside Assistance

When getting car insurance, roadside assistance is often in the forefront of the mind, so why not get both at the same time? Direct General’s roadside offerings include towing, fluid delivery like gas and other essentials, help with a flat tire and lost key assistance. Don’t get stuck out on the road with no one to help you!

5. Travel Auto Insurance

If you are planning to drive your car into Mexico, as many people in the Southeast do, you will need to get special Mexico auto insurance to give you coverage there. Luckily, Direct General offers this. You can get a tourist insurance policy just in case something happens on your fun family vacation.

6. Emergency Auto Insurance

Emergency protection is a type of insurance that gives you some extra coverage in case your car insurance doesn’t cover the extent of what you need after an accident. You may need more coverage for longer hospital stays, childcare needs and a trip in an ambulance. When you have that type of emergency you don’t need to worry about the cost of car. Just have emergency protection on your side and you’ll be focused on healing and helping family members.

7. Life Insurance

If you are a provider for your family then you will definitely want to have some life insurance. In the case that anything happens to  you, your family will receive financial sustenance to keep them going in your absence. It’s not something that anyone wants to think about, but it’s an important consideration. Individual life insurance helps to cover funeral expenses too, and it’s pretty affordable - about 75 cents per day.

8. Accident Insurance

Sure you have health insurance, but health insurance doesn’t cover everything. Accident insurance helps to cover what your health insurance lacks. Fill in your gaps and make sure that you will be covered in the case that something does happen. 

9. Health Insurance

Direct General can help you navigate the new insurance marketplace to get the health insurance that you need. Health insurance is something that will help you get free preventative care and pay for expensive treatments so you can stay healthy throughout the year, and your family can too.

As you can see, Direct General has you covered for pretty much all of your insurance needs through their product offerings.

As you can see, Direct General is one of the top car insurance companies out there. You now know pretty much everything there is to know about the company, and hopefully now it is easier for you to make your decision about what car insurance company to go with. You should do this type of research for every company you are considering in addition to getting an accurate quote before you purchase car insurance. That way, you will end up with the most affordable plan possible! Don’t let a bad driving record or bad credit stop you from getting car insurance - there are plans and companies out there who will work tirelessly to make sure drivers on the road are safe and covered.

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