#direct auto insurance
Direct General Insurance
Currently Insured? Yes No
Another benefit of auto insurance coverage from Direct General Insurance is that they are more receptive towards drivers with non-standard driving records. For example, they cover high-risk auto insurance in addition to standard car insurance. Direct General states on its website that it understands dropped coverage from other carriers, and won’t require checking account or credit cards that other insurers may ask for.
NAIC Complaint Index (2012)
4.09 (National Median: 1)
Auto Insurance Policy Discounts
Direct General underwrites auto insurance policy in twelve states: Alabama, Arkansas, Florida, Georgia, Louisiana, Mississippi, Missouri, North Carolina, South Carolina, Tennessee, Texas, and Virginia. However, coverage within those states is inconsistent. For example, in Florida, Direct General covers the cities of Tampa, Jacksonville, Orlando, Tampa, and Port St. Lucie, but excludes the market of Miami, FL.
The sample quote for minimum coverage for a 30 year old single male driving a 2010 Honda Accord LX in Jacksonville, FL was estimated at $383 for six months (be sure to get two other price points to check that this is a fair and reasonable price for you to pay). The online system was relatively easy to navigate, and the questions were straightforward without requiring users to divulge sensitive or personally identifiable information. Note, the company charges an auto policy fee of $25, as well as various assessments and MVR (motor vehicle record) fees. Information on discount availability and amounts were not disclosed by Direct General.
How to File a Claim
Telephone Number: (800) 403-1077
While representatives are available 24/7, the First Notice of Loss team is only available Mondays through Fridays from 8am ET to 7pm ET and Saturdays from 8am ET to 4pm ET to file a report. Other representatives may be present to record your information, but the actual claims form will not be filed until the regular operational hours of the FNOL team.
- Press 1 for New Claims
- Press 2 for Existing Claims
Customer Service Telephone Number: (877) GO DIRECT
About Direct General Insurance
Direct General is headquartered in Nashville, Tennessee, and operates through 400 local offices across twelve states in the Southeastern region of the United States. These states are Alabama, Arkansas, Florida, Georgia, Louisiana, Mississippi, Missouri, North Carolina, South Carolina, Tennessee, Texas, and Virginia. In addition to the auto coverage detailed above, the company also provides motorcycle insurance and life insurance. It also partners with NetSpend to provide a prepaid MasterCard.