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Frequently Asked Questions

Auto Insurance Questions & 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 & Policy


Customer Service & Account Help

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 any time?

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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I had a really great experience in my local Direct Auto store! Can I leave a review for that agent or store?

Thank you! We strive to offer you the honest, sincere, and fair service you deserve at all times. To leave your local store or agent feedback, simple search for the store on our local pages and click on "Tell Us About Your Visit."

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I'm disappointed in my service. How can I get help with a complaint?

We're sorry that you did not receive the honest, sincere, and fair service you deserve. Please let us know how we can improve our service by leaving a detailed account of your complaint or suggestion in our review form. Provide your phone number or email and one of our account representatives will promptly follow-up with you.

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Where do I find the E-Sign portal?

You can access the E-Sign portal in the header menu of our website, right above "Claims," or you can access the portal from this link: E-Sign Portal.

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How do I change my address information?

You can change your contact information, re-print your policy documents, renew your policy, and even add a vehicle or driver by logging into your account. Login into your account now or click on "Your Account in the top right hand corner of this screen. As always, feel free to give us a call at 1-877-463-4732 if you need any help at all.

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