Formerly known as Direct General, Direct Auto has a history of insuring high-risk drivers. Auto insurance providers determine rates and decide to insure (or reject) certain drivers based on their age, gender, credit score, driving history, vehicle type, and other relevant factors. High-risk drivers tend to have a lower credit score, lapses in coverage, very expensive vehicles, a history of accidents or speeding tickets, and other factors that indicate they might be more expensive to insure.
Direct Auto specializes in insurance for high-risk drivers, including renters and homeowners having a hard time finding insurance.
Best for High-Risk Drivers
If you’re a renter or homeowner with bad credit, a history of missed payments, a history of claims, a DUI on your record, or other moving violations on your record, you might find it difficult to find a company that will offer you auto or renters insurance.
This won’t be the case with Direct Auto. As a high-risk provider, Direct Auto likely won’t deny your application. It can also offer additional insurance requirements — like an SR-22 or non-owner insurance — if you need insurance after a serious traffic violation.
To make your plan more affordable, Direct Auto allows you to customize your payment options to match your budget. You can speak with a representative online, in person, or over the phone to customize your payment plan. Your representative will guide you through each step toward the right renters policy so you can find a price that works for your budget.
With this small, regional provider, you can do the following:
- Choose your payment date. Pick the best day to make your insurance payment based on your personal financial schedule.
- Plan your payment schedule. According to your spending ability, you can pay in full or choose from multiple installment plans.
- Decide on your monthly payment. Choose how much money you want to put down and, in turn, determine your monthly payment.
- Decide how you want to pay. You can pay with cash at a Direct Auto or partner location, make a one-time or auto payment online via credit or debit card, or pay online by e-check.
Massive Insurance Bundle Discounts
Direct Auto offers sizable savings on insurance bundles for people renting homes, townhouses, and condominiums. If you purchase at least two qualifying policies from Direct Auto, like auto and renters insurance, you can save up to 10 percent on your insurance.
Here’s the full list of discounts:
|You purchase at least two qualifying policies from Direct Auto.
|You or your spouse owns a home where you keep your cars (does not apply to mobile homes).
|You have more than one car on your policy.
|You include qualifying products in your policy (products vary by state but usually include life insurance and emergency protection plans).
|You are an active service member and can provide documentation.
|You have been violation- and accident-free for the past 36 months.
|You’re unmarried and a full-time student in high school, college, or vocational/technical school with a B average.
|You are at least 55 and have completed a motor vehicle accident prevention course.
|You complete a qualifying accident prevention course (if you’re over 21) or a state-approved driver education course (if you’re under 21).
|Your vehicle is equipped with qualifying anti-theft and safety features.
|You haven’t had a policy lapse in the last 12 months and you renew within 7-10 days before the policy’s expiration date.
|You had a policy with Direct Auto previously, but not within the last 6 months.
|You’re an active member of an organization that has partnered with Direct Auto.
|You use automatic payments, pay in full, or go paperless.