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Get Discounts
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Get Discounts

At Direct Auto & Life Insurance, we’re dedicated to making insurance more affordable, regardless of your driving history. We work to help you get the low rate you deserve by putting you in control of your down payment and monthly payment, but also by offering multiple auto insurance discounts.Our discounts range from 5% to 25% and could help to reduce the amount you pay overall.

Learn more about qualifying for auto insurance discounts from Direct and see how much you could expect to save!

All About You: Driver Discounts

We’re committed to affordability, but more importantly, we’re committed to you—our customer! These discounts are related to your driving behavior and what makes you, you.

  • Safe Driver Discount
    Save up to 10%

    “Accident-free? Yeah, that’s me!” Stop signs, speed limits, school zones—you’re a fan of following the rules of the road. If you’ve been violation and accident-free for the past 36 months, you could be eligible for a Safe Driver Discount. (The time you must remain accident and violation-free varies by state.)
  • Military Discount
    Save up to 25%

    Our Military Discount is one of the many ways we show our appreciation for the sacrifice and service of America’s military families. Qualify for this insurance discount by providing a copy of your current orders or other acceptable documentation proving you are an active service member.
  • Good Student Discount
    Save up to 10%

    You take your education just as seriously as your budget. You could be eligible for a Good Student Discount if you're unmarried and a full-time student in high school, college, or a vocational/technical school, and are an honor student, on the Dean's List, have a "B" average or better, or rank scholastically in the upper 20% of the class.
  • Senior Citizen Discount
    Save up to 5%

    When it comes to staying safe on the road, we know that experience and maturity behind the wheel make a difference. If you’re 55 years or older and successfully complete an accident prevention course, this could be the discount for you!

You & Your Car: Vehicle Discounts

Your car is one of your most prized possessions: it takes you to school, to work, to pick up the kids. Without it, life would be much tougher. The following discounts are all about how you use your vehicle and how many vehicles you choose to insure with Direct.

  • Multi-Car Discount
    Save up to 25%
    Many families have more than one car. When more than one vehicle is covered under your policy, you could save with a Multi-Car Discount and also make it easier to keep track of payments and renewal dates.
  • Mileage Discount
    Save up to 5%

    Drive less and save more with a Low Mileage Discount. You could be eligible by keeping your annual mileage under a certain number by doing things like carpooling, riding public transportation, or walking instead of driving!

You & Your Insurance: Policy Discounts

No matter the circumstances, we work with you to help determine the best policy for your needs and to provide the great services you deserve—all at an affordable price. We’ll even reward you for taking advantage of many of these great services and products (like Term Life Insurance)! You'll find that these discounts are related to choosing Direct and sticking with us, wherever the road may take you!

  • Prior Coverage Discount
    Save up to 25%

    Maintaining your insurance coverage counts with a Prior Coverage Discount! If you’ve been with your current car insurance company for at least six months (and have not had a lapse in coverage for more than 90 days), you could save big when you switch to Direct!
  • Renewal Discount
    Save up to 20%
    We know you have many choices when it comes to your insurance company and your coverage. Choose Direct for your insurance needs and as a long-term customer, you could benefit from a Policy Renewal Discount.
  • Homeowner Discount
    Save up to 15%

    Congratulations! Owning a home is a major milestone. Double check your eligibility for a Homeowner Discount if you, or your spouse, own a home, townhome, or condo and also keep your cars there.
  • Affinity Discount
    Save up to 5%

    Did you know? Where you work, go to school, or pay membership fees could help you save on auto insurance with an Affinity Discount! Many organizations and groups have already partnered with us to offer their members an exclusive discount on a policy with Direct, including churches, clubs, government organizations, and fraternal societies. The best way to see if you’re eligible,and to get a full list of affinity organizations, is to call us at 1-877-GO-DIRECT (1-877-463-4732).
  • Multi-Product Discount
    Save up to 5%

    At Direct, we provide the premium services like Roadside Assistance, Emergency Protection Plans, and Term Life Insurance you expect from major insurance providers. Include an active qualifying product and you could qualify for a Multi-Product Discount, plus additional peace-of-mind!
  • Welcome Back Discount
    Save up to 6%
    We get it. Sometimes you want to try something new! If you were previously a policyholder with Direct (but haven’t been for at least six months), you could be eligible for a special Welcome Back Discount!

More About Discounts at Direct Auto & Life Insurance

To see how much you could be saving with Direct’s auto insurance discounts, complete a fast and free auto insurance quote. With the information you provide during the process, you’ll be able to quickly see the discounts you could be eligible for. You can also call and speak to one of Direct’s many representatives who’ll be happy to double check your discount eligibility. Please note, discount availability depends on where you live and the type of coverage you select.

Looking for more information about auto insurance discounts? We’re committed to affordability, simplicity, and above all—you! So if you have questions about your eligibility for certain discounts or would like to see how much you could be saving with Direct, call one of our friendly representatives today at 1-877-GO-DIRECT (1-877-463-4732)! Many customers have already reported up to $565** a year in savings when they switched to Direct!

*Discounts may only apply to certain coverages and are subject to terms and conditions and may not be available in all states or distribution channels. Price may vary depending on how you buy.
** $565 Savings information based on August 2012 survey of customers who switched to Direct. Premiums and savings will vary. Payment plans and coverages are subject to terms and conditions and may not be available in all locations. Cost may vary based on how you buy. Direct General Group, Nashville, TN.
***Insurance is underwritten or administered by members of the Direct General Group, Nashville, TN and is only offered in states where we are licensed to do business. You can find this information on our website: directgeneral.com.


 
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