Chris Tepedino is a feature writer that has written extensively about car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, research investigative pieces…

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states…

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Reviewed byRachael Brennan
Licensed Insurance Agent for 14 Years

UPDATED: Sep 28, 2020

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Not too long ago, ACE Auto Insurance was a quaint little “mom-‘n’-pop” insurance shop offering auto insurance rates and policies to the residents of Atlanta and College Park, GA. In recent years, however, there have been some big changes for this little Georgia company.

These days, when you search for “ACE Auto Insurance” online, you’ll get redirected to a company called Direct General. These days, both ACE and Direct General are “teaming up”, according to their website, “to offer you more”. This merger expands the overall coverage area all over the South, with some offices also located as far west as Texas and as far North as Virginia.

Enter your ZIP code above to get a FREE quote.

ACE Auto/Direct General Insurance Review

Direct General, now the partner company for ACE Insurance, has maintained a “B” grade for financial strength over the last few years according to the rating agency A.M. Best. It has also improved its overall ranking on the BBB website from a B+ to an A+ in just a few short years. These changes seem as though they were spurred by the fact that, according to the 2012 NAIC Complaint Index, Direct General scored 4 times higher than the national median.

Ratings AgencyRating
AM Best Financial Strength Rating (2016)B (Fair)
Better Business Bureau (2016)A+
NAIC Complaint Index (2012)4.09 (National Median: 1)

ACE Auto/Direct General Insurance Discounts

In an attempt to clean up their public image and improve business, there is now a clear and precise list of attractive discounts up on the Direct General website. Current ACE customers who still have an existing solo policy can contact Direct General and potentially qualify for:

Discount% Savings
Military Discount25%
Prior Coverage Discount25%
Multi-Car Discount25%
Renewal Discount20%
Homeowner Discount15%
Safe Driver Discount10%
Good Student Discount10%
Welcome Back Discount6%
(Low) Mileage Discount5%
Senior Citizen Discount5%
Affinity Discount5%
Multi-Product Discount5%

ACE Auto/Direct General Auto Insurance Options

In addition to your typical auto insurance coverage, Direct General also offers products for motorcycle, life, and commercial auto insurance. Whether you’re just looking to cover your personal vehicle or shopping for a variety of products, they also have an online coverage assistant that can suggest different packages for you based on a few simple questions.

  • Liability
  • Comprehensive/Collision
  • Medical Payments
  • Personal Injury Protection
  • Uninsured Motorist Coverage
  • Rental Reimbursement
  • Towing & Labor
  • Accidental Death
  • Roadside Assistance

Comparing ACE Auto/Direct General Insurance Quotes

Direct General is a fairly popular company, especially in the South, so finding an online estimate is fairly easy. Below, see what certain drivers might expect to pay for a Direct General policy:

ACE/General Direct Auto Insurance Quotes Legend: Direct General Married Homeowner Poor Credit Single Renter Imperfect Record 25 50 75 100 125 150 175 200 225 250 $115 $130 $130 $263

Of course, these estimates cannot necessarily be guaranteed – for a guaranteed estimate, you would have to contact General Direct directly. But these numbers above can be used as a good starting reference, especially when compared with similar estimates from other companies. And if you have speeding tickets or an accident on your record, you’ll most likely want to shop around before settling on Direct General.

Pros and Cons of ACE Auto/Direct General Insurance

Good and comprehensive Emergency Protection Plan for auto insuranceAuto insurance only provided in twelve Southeastern states, and coverage can be spotty within those states
Has been working hard to improve poor customer service ratingsPreviously had a pattern of poor customer service in resolving concerns and billing issues just a few years prior

Just a few years ago, Direct General didn’t have the best reputation as an insurance company. However, it seems as though in recent years they have been working hard to improve their image, fix customer service complaints, and maintain a strong financial standing. While they seem to be lenient about raising rates on drivers with poor credit, your monthly premiums could become quite costly if you have so much as a minor speeding violation on your record.

Corporate Headquarters
1281 Murfreesboro Road
Nashville, TN 37217-2432
Phone: 615-399-4700
Fax: 615-366-3722