Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that exis...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Aug 20, 2020

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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.

Things to Remember...

  • Direct General provides a variety of auto insurance coverage
  • Direct General offers flexible payment plans for their clients
  • Direct General does not have favorable reviews online

This Direct National auto insurance review will focus on Direct General Auto Insurance located in Nashville, Tennessee.

Direct General Auto Insurance offers products to consumers of several states.

Direct General Auto Insurance has 420 offices in 12 states. They are able to service consumers that live in any of these states, including Arkansas, Florida and Georgia.

Start your search for the best auto insurance rates by entering in your ZIP code!

Direct General Auto Insurance Coverage

Direct General Auto Insurance specifically offers types of auto insurance to consumers.

The following are the coverage options that are available to customers:

  • Bodily injury liability coverage – protects the insured driver from liability in the event that an accident causes injury to another driver on the roadway
  • Property damage liability coverage – protects the insured driver from liability in the event that damage is made to another person’s vehicle or property
  • Collision and comprehensive coverage –  collision handles damages from a collision with another vehicle or object; comprehensive handles damages that occur as a result of fire, hitting a deer, or vandalism
  • Medical payment coverage – handles expenses that relate to bodily injury to the insured drivers and passengers
  • Uninsured motorist coverage – will handle the damage to your vehicle that occurs as a result of an accident that is caused by the other driver

Your minimum state requirements are likely just for bodily injury and property damage liability coverage.

Some states refer to this basic coverage as PLPD or personal liability and property damage.

If you have a loan or a lease through a financial institution, they may require you to have full coverage because it protects the investment of the bank that you financed your vehicle through.

It also protects you in the event of an accident that is your fault.

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Direct General Auto Insurance Customer Service

Direct General Auto Insurance gives customers the option to decide what payment schedule will be most convenient.

Customers may pay the premium in a lump sum payment every six months, or pay on a monthly basis, and if they choose the monthly payment option, customers have the option to choose which day the payment is due.

Direct General Auto Insurance does not currently give customers the ability to file a claim online.

The website does indicate they are working to add this feature to the site but has no indication as to when this may be. There is a toll-free number for customers to file a claim at 877-GO-DIRECT.

Service inquiries can be made online via a contact form. An agent is supposed to get back to the customer within 24 hours of filing out the online contact form.

Direct General Auto Insurance Reviews

The online reviews for Direct General Auto Insurance out of Nashville are not favorable.

There are several online reviews from upset customers that indicate the company has tried to avoid paying certain claims.

The AM Best reviews for offices connected to Direct General all have a rating of B and are considered stable.

If thinking about getting insurance through this company, you may wish to ask friends and relatives if they have experiences with Direct General.

Get your free auto insurance quote by entering in your ZIP code below!

References:

  1. http://www.directgeneral.com/
  2. https://www.directgeneral.com/
  3. https://www.thebalance.com/comprehensive-vs-collision-coverage-527402
  4. http://www.autotrader.com/car-tips/buying-a-car-why-insurance-might-cost-more-if-you-finance-227942
  5. http://www.rmiia.org/auto/steering_through_your_auto_policy/Filing_an_Auto_Claim.asp
  6. http://ambest.com/