UPDATED: Sep 5, 2020
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
AutoinsuranceEZ.com Rating:In the automotive insurance industry, it isn’t uncommon for larger companies to join forces with smaller ones in order to expand their coverage area and provide better service to their customers. Direct General is no exception to this practice. In recent years, they have joined up with a smaller company called ACE in the Atlanta area. Together, these companies are offering car insurance, motorcycle insurance, life insurance, and more in 12 different southern states.
Direct General Insurance Review
Unfortunately, Direct General doesn’t have the most spotless reputation when it comes to their customer service record. But there are signs that things may be improving. For starters, their rating with the BBB has risen from a B+ to an A+ due to efforts on Direct General’s part to address complaints and settle disputes. Financially speaking, they have also received a “B” rating from the Credit Rating Agency A.M. Best.
|AM Best Financial Strength Rating (2016)||B (Stable)|
|Better Business Bureau (2016)||A+|
|NAIC Complaint Index (2012)||4.09 (National Median: 1)|
Direct General Insurance Discounts
Direct General’s list of available discounts is fairly standard compared to other automotive insurance companies. The amount of money you might be able to save, however, is fairly decent. Some of their discounts, such as their Military Discount or their Multi-Car Discount could save you as much as 25% per discount if you qualify:
|Discount||Maximum % Savings|
|Low Mileage Discount||5%|
|Prior Coverage Discount||25%|
|Welcome Back Discount||6%|
|Safe Driver Discount||10%|
|Good Student Discount||10%|
|Senior Citizen Discount||5%|
Direct General Auto Insurance Options
If you’re unsure about what type of coverage you need, Direct General offers a convenient online assistant that can help you decide on what coverage to buy, and in what amounts. They will of course offer you the bare minimum amounts and coverage required by your state, and some of the additional options below if you feel you need them:
- Emergency Protection Coverage – a special coverage package which offers reimbursement for hospital stays, medical expenses, ambulance rides, and legal fees
- Personal Effects Coverage – provides reimbursement options for damaged or stolen personal effects
- Rental Coverage – reimbursement for costs associated with renting a vehicle if your car requires repairs or replacement
Comparing Direct General Insurance Quotes
Comparing quotes between companies is important to make sure you’re getting the best possible deal. For a basic insurance policy on a 2014 Honda Accord, you might be able to get quotes from Direct General as low as $34/mo depending on your circumstances: