Direct Auto Insurance Review | The Ascent


Top perks

User-friendly online tools

Direct Auto Insurance has online tools that can rival some of the top auto insurers. The quote tool is simple and streamlined, and it’s easy to go back and edit information if necessary. When you return to the quote page, all your coverage options are just as you left them. There’s also online bill pay and account management features.

Unique optional coverage

In addition to the minimum coverage required by law, Direct Auto Insurance offers some unique add-ons. These include its term life insurance and emergency protection plan. This pays benefits directly to the policyholder following a car accident to help cover costs, including:

  • Medical bills
  • Auto rentals
  • Lost personal effects
  • Accidental death and dismemberment

Policyholders don’t need to pay for this coverage if they’re not interested, but it is a nice option to have for those who are worried about out-of-pocket costs following an accident.

Nice selection of discounts

Direct Auto Insurance offers all the common auto insurance discounts, like multi-policy and safe driver discounts and is transparent about how much drivers can save with each one. It also offers some less-common ways to save, like discounts for seniors and military members as well as members of certain affinity organizations. There’s even a discount for drivers returning to Direct Auto Insurance if they’ve had a Direct Auto policy at any point in the past.

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What could be improved

Policies can be expensive

Don’t expect cheap auto insurance with Direct Auto Insurance, as its rates were above average in our quote analysis. However, this may not be the case for every driver. Those who qualify for some of the rare discounts discussed above may secure a more affordable rate. It’s still worth getting a quote to see what a Direct Auto Insurance policy would cost.

Little data on customer satisfaction

Direct Auto Insurance hasn’t been featured in any large car insurance satisfaction studies, so it’s difficult to gauge how its customer service stacks up to its competitors. However, the company appears to put a strong emphasis on personalized support. It has agents standing by both on the phone and at its physical branches to assist customers with their policies.

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