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We are an independent, advertising-supported comparison service. Our goal is to help you make smarter financial decisions by providing you with interactive tools and financial calculators, publishing original and objective content, by enabling you to conduct research and compare information for free - so that you can make financial decisions with confidence.
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The offers that appear on this site are from companies that compensate us. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within the listing categories. But this compensation does not influence the information we publish, or the reviews that you see on this site. We do not include the universe of companies or financial offers that may be available to you. Direct Auto Insurance review
June Sham is an insurance writer for Bankrate. Before joining the team, she worked for nearly three years as a licensed producer writing auto, property, umbrella and earthquake policies. Angelica Leicht is an insurance editor on the Bankrate team. She is truly passionate about helping readers make well-informed decisions for their wallets, whether the goal is to find the right comprehensive auto policy or the best life insurance policy for their needs. Sep 30, 2022 Bankrate logo The Bankrate promise
At Bankrate, we strive to help you make smarter financial decisions. To help readers understand how insurance affects their finances, we have licensed insurance professionals on staff who have spent a combined 47 years in the auto, home and life insurance industries. While we adhere to strict editorial integrity, this post may contain references to products from our partners. Here's an explanation of how we make money. Our content is backed by LLC, a licensed entity (NPN: 19966249). For more information, please see our Insurance Disclosure. Bankrate logo The Bankrate promise
Founded in 1976, Bankrate has a long track record of helping people make smart financial choices. We’ve maintained this reputation for over four decades by demystifying the financial decision-making process and giving people confidence in which actions to take next. Bankrate follows a strict , so you can trust that we’re putting your interests first. All of our content is authored by and edited by , who ensure everything we publish is objective, accurate and trustworthy. Our insurance team is composed of agents, data analysts, and customers like you. They focus on the points consumers care about most — price, customer service, policy features and savings opportunities — so you can feel confident about which provider is right for you. We guide you throughout your search and help you understand your coverage options. We provide up-to-date, reliable market information to help you make confident decisions. We reduce industry jargon so you get the clearest form of information possible. All providers discussed on our site are vetted based on the value they provide. And we constantly review our criteria to ensure we’re putting accuracy first. Bankrate logo Editorial integrity
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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. At a glance
Not rated Bankrate Score Home 0.0 Auto 0.0 About Bankrate Score Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services. Drivers who are considered high-risk or have had difficulty qualifying with other standard carriers may be able to find a solution with Direct Auto. The company's rates are well above the national average, although that may be expected since coverage is geared toward riskier drivers. Pros and Cons Quick Look Pros High-risk drivers who may not qualify for car insurance with other carriers may be able to consider Direct Auto No medical examination or approval period required for Direct Auto term life insurance Term life insurance can be purchased for less than $1 a day and renewal may be guaranteed for two years at the same premium Cons High score on the National Association Of Insurance Commissioners (NAIC) Complaint Index indicates that Direct Auto receives three times as many complaints compared to other companies in the market Average premium for car insurance is significantly higher than the national average Direct Auto's term life insurance only offers up to $25,000 in coverage Avg. annual auto insurance premium for full coverage: $2,766 Avg. annual auto insurance premium for min coverage: $1,379 Compare rates Answer a few questions to see personalized rates from top carriers Direct Auto got its start with non-standard car insurance in 1991, and has since expanded to include other insurance offerings, including term life insurance. Those who are considered high-risk or have difficulty qualifying with other standard carriers may be able to find a solution with Direct Auto. But before purchasing a policy with Direct Auto, you’ll want to consider the perks and drawbacks of its auto and life insurance policies to see if it’s the best fit for you. Founded in 1991, Direct Auto is a small, regional carrier that only offers insurance in , most of them located in the southeast. Non-standard car insurance and term life insurance are two of its most popular offerings, especially for those who have trouble qualifying at standard carriers, need flexible payment plans or have some other challenging situation. Direct Auto car insurance
Direct Auto may be an option to explore for high-risk drivers who might not be able to qualify for car insurance due to their driving record, insurance history or another . Compared to other carriers, Direct Auto's coverage options are more limited to the basic offerings, but they do include optional accidental death coverage, which would pay $5,000 to your spouse or other beneficiary if you passed away due to a covered accident while in your car. As part of Bankrate's study to find the best car insurance companies, we reviewed dozens of companies for their average annual premiums through Quadrant Information Services, policy offerings and discounts, as well as third-party ratings for financial strength and customer satisfaction. The higher a company scored in each category, the higher its overall Bankrate Score for a maximum score out of 5. Because much of this information was limited for Direct Auto, it did not receive a Bankrate Score. This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Shop rates and compare quotes
Get personalized auto insurance quotes by answering a few quick questions Quick facts on average this year by shopping for new car insurance Rates vary by state The average American pays for auto insurance Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. See more providers in Choose from insurers in Show More Direct Auto car insurance cost
Direct Auto car insurance is expensive, especially when compared to the national average. Drivers with Direct Auto pay an average of $2,766 per year for full coverage car insurance. While the is much lower at $1,674 per year for the same coverage, actual rates may vary due to different , such as location, type of vehicle, annual mileage and more. Direct Auto average annual full coverage premium National average annual full coverage premium Clean driving history $2,766 $1,674 $4,428 $2,062 $4,798 $2,311 $6,930 $2,531 *16-year-old rates reflect the total cost to insure the teen, both parents and one vehicle. Direct Auto car insurance discounts
Direct Auto offers a long list of discounts on car insurance to give drivers an opportunity to stack savings. Some of these discounts include: Military discount Active service members can earn up to 25% off their car insurance. Direct Auto does request that documents be submitted to add this discount to your policy Prior coverage discount Drivers who are new to Direct Auto may be able to qualify for up to 25% off their car insurance if they have been insured with another carrier for six months. Additionally, the coverage must not have lapsed for more than 90 days, although this period may vary by state Driver training discount New young drivers may be able to add a 10% discount on their car insurance if they complete a state-approved course, and can keep this discount until their 21st birthday Direct Auto car services
Another service that Direct Auto provides in conjunction with its auto insurance is Dynamic Drive. This tracks good driving habits through the Routley app. Participation is optional, but drivers earn 10% off their Direct Auto car insurance just by signing up, with the potential to earn more based on driving safely. Direct Auto life insurance
Direct Auto's life insurance offering is limited compared to other carriers, both in terms of policy type and features. It only offers with 6-month and 12-month policy periods and a maximum coverage of up to $25,000. Some key draws to Direct Auto's life insurance policy may be its lack of medical examination requirement, instant approval responses and guaranteed renewal for two years - subject to policy terms and conditions - at the same premium. However, others may find that Direct Auto's maximum coverage amount for term life to be too low for their needs or may want the savings component found in other instead. This advertising widget is powered by HomeInsurance.com, a licensed insurance producer (NPN: 8781838) and a corporate affiliate of Bankrate. The offers and clickable links that appear on this advertisement are from companies that compensate Homeinsurance.com LLC in different ways. The compensation received and other factors, such as your location, may impact what ads and links appear, and how, where, and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available to you as a consumer. We strive to keep our information accurate and up-to-date, but some information may not be current. Your actual offer terms from an advertiser may be different than the offer terms on this widget. All offers may be subject to additional terms and conditions of the advertiser. Compare life insurance providers quickly and easily
See which provider is right for you. The amount of coverage you need depends on many factors, including your age, income, mortgage and other debts and anticipated funeral expenses. Whole life insurance combines life insurance with an investment component. Coverage for life Tax-deferred savings benefit if premiums are paid 3 variations of permanent insurance: whole life, universal life and variable life include investment component Term life insurance is precisely what the name implies: an insurance policy that is good for a specific term of time. Fixed premium over term No savings benefits Outliving policy or policy cancellation results in no money back Find matches Powered by HomeInsurance.com (NPN: 8781838) This advertising widget is powered by HomeInsurance.com, a licensed insurance producer (NPN: 8781838) and a corporate affiliate of Bankrate. HomeInsurance.com LLC services are only available in states where it is licensed and insurance coverage through HomeInsurance.com may not be available in all states. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. Bankrate Why Lemonade? It's a fresh twist on life insurance: easy, accessible and affordable. See more providers in Choose from insurers in Show More Direct Auto life insurance endorsements
Direct Auto does not appear to offer any add-on coverage options to its term life insurance policy. Direct Auto life services
Direct Auto does not offer any additional services to those who purchase its term life insurance policy. Other Direct Auto perks worth considering
In addition to personal auto and term life insurance, Direct Auto offers a few more insurance products: : Renters may not need to insure the structure of the home they live in, but a renters insurance policy could provide coverage for their belongings and liability. Motorcycle insurance: A personal auto insurance policy will not cover a motorcycle, as this is considered a different type of vehicle. If you own a motorcycle, you will need to purchase a separate motorcycle insurance policy. : Driving your vehicle outside of the United States means your car insurance may not provide coverage, so purchasing this kind of travel insurance may help cover the gap. Direct Auto corporate sustainability
Direct Auto does not disclose if they contribute or support any charitable causes or programs. Not sure if Direct Auto is right for you Consider these alternatives
: Bristol West is a member of the Farmers Insurance Group and could be ideal for high-risk drivers, as it also specializes in non-standard car insurance. The company also offers an online portal and mobile app accessibility. : Backed by Allstate, Encompass sells home and auto insurance through local independent agents and provides a wide range of coverage options and discounts to help build the right policy for your needs. : Geico offers a long list of car insurance discounts to help make premiums affordable. It also sells term, whole and universal life insurance through partnerships with other companies. Methodology
Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on 40-year-old male and female homeowners with a clean claim history, good credit and the following coverage limits: Auto
$100,000 bodily injury liability per person $300,000 bodily injury liability per accident $50,000 property damage liability per accident $100,000 uninsured motorist bodily injury per person $300,000 uninsured motorist bodily injury per accident $500 collision deductible $500 comprehensive deductible To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our sample drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually. Age: Rates were calculated by evaluating our base profile with the age 16 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Hawaii rates indicate age is not a contributing factor. Incidents: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), single speeding ticket and a single DUI conviction. Homeowners
Coverage A, Dwelling: $150,000, $250,000, $350,000, $450,000 Coverage B, Other Structures: $15,000, $25,000, $35,000, $45,000 Coverage C, Personal Property: $75,000, $125,000, $175,000, $225,000 Coverage D, Loss of Use: $30,000, $50,000, $70,000, $90,000 Coverage E, Liability: $300,000 Coverage F, Medical Payments: $1,000 The homeowners also have a $1,000 deductible and a separate wind and hail deductible (if required). These are sample rates and should be used for comparative purposes only. Your quotes will differ. Compare rates and save on auto insurance today! Get quotes Close X On This Page
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