Frequently Asked Questions

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Auto Insurance Questions and Answers


Don't see the answer to your question? Call one of our qualified Direct representatives at 1-877-GO DIRECT (1-877-463-4732) for assistance.


Coverage and Policy


Payments



What is the least expensive auto coverage I can get?

The lowest cost coverage you can get is determined by the deductible amount, specific coverage plan and the amount of financial protection you choose. And, remember, unlike other insurance companies, we offer flexible payment options to help you manage your monthly budget regardless of the coverage you select.

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Which coverage do I need by law?

Coverage limits do vary state by state. Regardless, we at Direct Auto always make sure you get the level of coverage required by law. Also, if you need to have Comprehensive and Collision or want other optional coverages, we can provide those as well.

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How much coverage will I need?

While we offer everything you'll need, the exact plan you choose depends on your personal needs and the amount you wish to spend. But a few things to consider as you make your decision: Who will be driving your vehicles? Are you currently making payments on your car or truck? If so, Comprehensive and Collision coverage might be required by your lender. They may also require you select a specific deductable.

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How do I know if I chose the right amount of coverage?

We will make sure you have the coverage required by law to drive, but if you feel unsure at any time during the quote process, we'll be happy to help you through it. Just call one of our experienced representatives at 1-877-GO DIRECT (1-877-463-4732), and they'll walk you through any concerns you might have.

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What if I want to change my coverage plan later?

You can always add or subtract a car or driver from your policy or make changes to your auto policy coverages by speaking with one of our friendly representatives over the phone or in person at one of our local stores. They can also help you with any other changes at that time.

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Will I need a new policy for each driver or vehicle?

No. You may simply add them to your existing policy.

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How can I make a payment?

We give you many easy options. You can go to any of our Direct sales offices and pay in person with a credit or debit card, check, cash or money order.

Alternately, you can pay with a credit/debit card either by calling 1-877-GO-DIRECT (1-877-463-4732) or using our easy online payment tool. And you can always use the payment coupons provided through our offices and mail a check to us.

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What happens if I miss a payment?
In the event that you miss a payment, we'll send you a notice and provide you additional time to make your payment. If you still are unable to make the payment due, we are required to cancel your coverage. However, in some cases we can reinstate your coverage, even after your policy cancels. Insurance cancellation procedures are governed by state law. Back to the Top

Can I choose to lower my monthly payment, change my payment due date or billing cycle at anytime?

You can make those changes before buying your policy; but, unfortunately, once you buy a policy, we cannot change anything pertaining to billing. However, when you return to renew your policy, you can lower your monthly payment at that time. There may be other ways you could lower your payment, such as increasing your deductible(s) or changing coverage choices.

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What happens if I cancel my policy before it expires?

If you cancel your policy before it expires, we may be entitled to keep a percentage (typically 10%) of the unearned premium (UEP). This is often referred to as short rating. In states where short rating is not allowed, your UEP will be pro-rated.

If you chose a payment plan, you may be subject to a cancellation fee if your policy cancels. Please call customer service or an agent for more information or if you have questions.

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