Last Updated: 04/18/2025
Direct Auto Insurance
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Last Updated: 04/18/2025
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Financial Strength Rating
B(Verified 04/18/2025)
Direct Auto Insurance Review
Direct Auto & Life Insurance is a car insurance carrier based in Nashville, TN. The insurance company was founded in 1991 and offers car insurance in 13 states in the USA.
If you're considering whether Direct auto insurance is a good option for you, read on.
Direct auto insurance Pros & Cons
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Direct auto insurance FAQ
What types of car insurance coverage options does Direct auto insurance offer?
Although we often talk about car insurance in the singular, it really includes several types of coverage options.
Does Direct auto insurance have roadside assistance?
No, Direct Auto & Life Insurance does not have roadside assistace.Does Direct auto insurance offer ridesharing insurance?
No, Direct auto insurance does not offer ridesharing coverage as a rider or endorsement.What benefits does Direct auto insurance offer?
Direct auto insurance offers the following benefits to its customers:
- Local Agents: Perfect for people who prefer the personal touch of a local insurance agent.
- Mechanical / Auto Body Repair Network: Enjoy the competitive prices and peace of mind of having access to a network of service and repair shops.
What insurance discounts does Direct auto insurance offer?
When you ask for an insurance quote with Direct auto insurance, make sure you ask for all the insurance discounts you qualify for. These are the insurance discounts currently available that are specific to car insurance.- Low Annual Mileage: If you don't put many miles on your car (typically under 15,000 miles a year) you may qualify for an insurance discount.
- Telematics Device (Usage-Based Insurance): You can qualify for an insurance discount if you agree to install a sensor that records your driving habits.
Want more insurance discounts? Check the insurance discounts tab for a full list of general policy insurance discounts you can qualify for with Direct auto insurance.
How does Direct Auto & Life Insurance calculate insurance rates?
Car insurance companies guard their risk-assessment algorithms as a trade secret, and Direct Auto & Life Insurance is no exception. However, you can be confident that Direct auto insurance will take into consideration your driving record, age, gender, marital status, and address.
Other factors it will take into consideration are your vehicle (make and model), insurance history, and how you use your car.
Does Direct auto insurance use your credit score?
It is safe to assume that, when legal, a car insurance company will use your credit score as a rating factor. There are two exceptions.
- If you live in California, Hawaii, or Massachusetts, a car insurance company is not allowed to use your credit report as a rating factor.
- There are also a handful of car insurance companies that base their insurance rates exclusively on telematic data. These companies collect information on your driving behavior and use it to determine the risk you pose as a driver.
How can I get a Direct auto insurance insurance quote
- Visit the Direct Auto & Life Insurance website.
- Fill out the insurance online quote application form. You will typically need to provide personal information, such as your name, vehicle, driver's license, and address.
- Check the information is accurate and submit your application.
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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.