Direct Car Insurance

direct car insurance
When people talk about direct car insurance, they most likely refer to the Direct Auto & Life Insurance. Auto insurance policy, as a product, has always been a peculiarity. It is mandatory in almost all states in the US, but the buyers never expect to make use of it for the obvious reasons. Policyholders need insurance for two things: they purchase it to comply with the law and protect them in case of road accidents or other unfortunate events with their cars such as theft or vandalism.

Auto insurance is available from numerous companies all across the country; each company sets its own price, coverage types, discounts, applicant requirements, cancellation procedures, and payment options. This is a good example of a case where an abundant of option does not always mean a good thing. More often than not, the available choices overwhelm rather than ease the buyers’ minds. Let us not forget that auto insurance policy is a complex agreement which involves too many little details most people find difficult to understand.

Thanks to the Internet, purchasing auto insurance has become much simpler than it used to be

One of the most difficult parts in the entire process is the research. Without the Internet, comparing insurance quotes from multiple companies will take too much of your time and efforts. To get just one quote, you must call the company or a representative; assuming you need to compare at least three quotes from different companies, it can take hours of driving and talking. Now that most (if not all) auto insurance companies have gone online, it only takes few clicks to get the quotes and compare them. Some independent websites, for example, Rodney D Young, even provide computerized calculation to compare multiple quotes almost in an instant.

To get free quotes from the websites, you are required to input information about your car models and year, previous or current insurance policy, average mileage, profession, address, driving history (available from DMV), safety features in the car, insurance lapses in the past, and sometimes credit score. The data field varies from one company to another. Once you input all those data, your insurance quote is ready within few minutes. Another good thing is that the websites are open 24 hours a day, seven days a week; it means you can access them anytime from home even during weekend or holidays. The process is so simple that it should take no more than an hour to get free quotes from half a dozen of companies at a time. Free quotes are printable too, so you can take a closer look at the details and discuss both the advantages and drawbacks with your families.

Direct General Auto Insurance

This company is a fine example of a major insurer that has gone online with their products. This move allows the company to provide streamlined and simpler procedures for both new and old customers to access their policies. Coverage options available from the company include:

  • Bodily Injury Liability: it protects you from the financial obligation as a result of an at-fault accident in which someone else is injured. Because you are at-fault, you are held liable for the medical cost associated with the treatments for the injuries suffered by another party. If necessary, the coverage also helps cover the legal services you need.
  • Property Damage Liability: in the event of an accident in which you are found at-fault and liable for the damages to another vehicle, the coverage helps pay the cost for repair. While in most cases the damage involves someone else’s car, it can also cover repair cost for fences, mailboxes, lawns, and commercial properties.
  • Collision: if Property Damage Liability covers the repair cost for another party’s vehicle, Collision coverage helps you pay the repair cost for your own vehicle involved in an accident. Please put in mind that the coverage only applies when damages are the results of a collision with another car.
  • Comprehensive: it covers the repair cost for vehicle damages due to non-collision causes for examples vandalism, natural disasters, theft, and contact with animals.
  • Medical Payments: the type of coverage that pays for the medical cost for injuries you suffer from an accident. It helps pay medical and hospital expenses as well as funeral expense when needed. The coverage applies regardless of who is at fault.
  • Personal Injury Protection: because in some states PIP is mandatory, it is available as separate coverage from Medical Payments although the functions are more or less the same. The biggest difference is that PIP also covers lost wages (because you have to miss work during hospitalization) and child care in addition to medical expense.
  • Uninsured Motorist: Sometimes the at-fault party in an accident does not have enough insurance (or even no insurance at all) to cover your injuries and property damage. In such situation, Uninsured Motorist coverage helps pay all the associated cost you must spend for medical treatments and repair.
  • Rental Reimbursement: in case your car cannot be driven after an accident and has to stay in the garage for a while, the coverage pays for rental vehicle if you need one.
  • Towing & Labor: during emergency situation where your vehicle cannot be driven due to mechanical failures, the coverage reimburses the cost you spend to get the car into the nearest garage.

One of the best things about Direct Car Insurance is that it does not discriminate. It provides all coverage options for all drivers regardless of their driving history. Apart from the aforementioned, the company also offers two more coverage options including Roadside Assistant and Accidental Death Coverage.

Online Quotes

Existing policyholders can access their policy status and payment schedules via direct general login, while new customers need to register first. With Direct Auto & Life Insurance you can set your own payment schedule and the amount of down payment in accordance to your personal preferences. Everything is accessible online, so you can check all the data anytime you need. It is also possible to file claims via the website because the portal is always open. If you are a new customer, you’ll be pleased to know that the company does not ask for driving history or credit score. For high-risk drivers, however, there can be different coverage options and available discounts. In the event you find difficulties with login or issues with the policies, you can also call Direct Auto Insurance number at 1-877-463-4732.

In case you are wondering where is the location of Direct Auto Insurance near me, the official website of the company offers a Find a Store. It is a map with clear markings on the office locations all across the country. Depending on your address, one of their offices can be just about few hundred meters from your home. Direct Auto & Life Insurance has more than 400 offices all over south and southwestern parts of the country.

Direct Insurance quotes are available for everyone including non-policyholders

The quotes are provided free of charge, and you can use them as a reference or for comparison purpose. Please understand that quotes are just approximation of the premium rate based on the data you give. Insurance company determines your rate based on various factors, and sometimes it is just impossible to put a number of certain factors for examples how secure car safety features are and how careful you are as a driver. You may change the amount of deductible as well which can reduce the premium. Purchasing auto insurance directly from the company saves a considerable amount of money since there is no independent agent or middleman in the process. However, there is nothing wrong with hiring an agent to reduce the hassles on your part. The agent does all the research, comparison, and necessary checks on your behalf to help you save more money and get the best possible coverage package.