Auto Insurance Questions and Answers
Click on each link to view the answer. If you don't find
the question that addresses your needs, please contact one of our
qualified Direct representatives at 1-877-GO DIRECT
(1-877-463-4732) for assistance.
Coverage and Policy
What is the least expensive auto coverage I can get?
Which coverage do I
need by law?
How much coverage will
I need?
How do I know if I chose the right amount of coverage?
What
if I want to change my plan later?
Will I need a new policy for each driver or vehicle?
Payments
How can I make a
payment?
What happens if I
miss a payment?
Can I choose to lower my monthly payment, payment date or billing
cycle at any time?
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.
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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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