US Agencies Direct Auto Insurance Review (2021)
U.S. Agencies Direct Auto Insurance offers auto and property insurance in Alabama and Louisiana. The average monthly auto insurance rate for U.S. Agencies Direct Auto Insurance in Alabama is $297/month and $476/month in Louisiana. US Agencies Direct earned a B- (Fair) financial rating from A.M. Best.
- US Agencies Direct Auto Insurance is based in Louisiana
- US Agencies Direct provides auto insurance quotes online, over the phone, or in-person with one of their agents
- US Agencies Direct offers an online search tool that assists customers with finding a local repair shop
U.S. Agencies Direct auto insurance is only available in Alabama and Louisiana. What is the auto insurance average for monthly costs between Alabama and Louisiana? Your coverage rates may vary due to other factors that determine auto insurance, but generally, it runs about $386 per month.
This U.S. Agencies Direct auto insurance review will take you through U.S. Agencies Direct auto insurance rates, coverages offered, cancellation, how to make a claim, and frequently asked questions across the web.
Looking for U.S. Agencies Direct car insurance quotes? While we can’t provide U.S. Agencies Direct car insurance rates, we can help you shop for auto insurance right now. Start by entering your ZIP code in the free comparison tool above.
What are U.S. Agencies Direct auto insurance rates?
Auto insurance companies may not tell you how much auto insurance rates are outright. This is because auto insurance is determined by several factors. However, we can give you an idea by showing you the general auto insurance rates.
What is U.S. Agencies Direct auto insurance availability by state?
As mentioned before, U.S. Agencies Insurance only operates in Alabama and Louisiana. Let’s look at the average annual auto insurance rates in these two states.
What are Alabama and Louisiana’s average auto insurance rates?
|States||Average Annual Rates||Average Monthly Rates|
Louisiana’s average annual auto insurance rates rank as the third most expensive in the United States. Let’s continue through the guide to find out how discounts can lower auto insurance rates.
What coverages are offered by U.S. Agencies Direct Auto Insurance?
According to the Insurance Information Institute, all states have individually-determined minimum requirements for auto insurance. The minimum requirement for auto insurance in Alabama and Louisiana is bodily injury liability and property damage liability, which are part of liability auto insurance.
So, what is liability auto insurance? Will Liability Pay for Damage You Cause to Others?
Yes. Bodily injury and property coverage limits are represented by something called a coverage rule.
A coverage rule is a way to show your coverage limits for liability coverage.
For example, a coverage limit of 50/100/500 means $50,000 for bodily injury of one person per accident, $100,000 for bodily injury of multiple people per accident, and $50,000 for property damage per accident.
The following table details the minimum required coverage rules of Alabama and Louisiana.
What are the minimum auto insurance coverage requirements in Alabama and Louisiana?
|States||Minimum Auto Insurance Coverage Requirements||Coverage Rules|
|Alabama||BI & PD Liab||25/50/25|
|Louisiana||BI & PD Liab||15/30/25|
Both states have similar minimum requirements but vary regarding bodily injury. Regardless, you need liability auto insurance to drive in either state.
Liability is one of three basic coverage options for auto insurance. The three basic coverages you should be able to get from most companies are liability, collision, and comprehensive.
Auto insurance companies break down each basic coverage so you can choose between available coverage options. The National Association of Insurance Commissioners (NAIC) produced a report that shows the average annual rates of each coverage. Let’s take a look at the average rates for Alabama and Louisiana.
What are Alabama and Louisiana’s average annual auto insurance rates by coverage type?
|Auto Insurance Coverage Type||Alabama Average Annual Rates||Louisiana Annual Average Rates|
As you can see, Louisiana’s average liability coverage is more expensive than Alabama’s. Collision and comprehensive auto insurance coverage are much cheaper, but this may also depend on the vehicle you drive. The higher your vehicle’s value, the more you could pay for auto insurance.
What about full coverage?
Full coverage means you have collision and comprehensive coverage attached to your auto insurance policy.
If you just bought a new car, you will need full coverage, which is represented on the right in the table above. If you were to break those down to a 12-month policy, you could pay $62 per month for full coverage in Alabama and $102 per month in Louisiana. These coverage rates are different based on the information you give U.S. Agencies Direct auto insurance agents.
Looking for affordable U.S. Agencies Direct auto insurance? Start comparing auto insurance rates from different companies in your local area by entering your ZIP code in the free comparison tool.
What are U.S. Agencies Direct auto insurance bundling options?
U.S. Agencies Direct has several auto insurance programs, and one of their options can even help you insure your rental properties. If you have a US Agencies Direct auto insurance policy, you may be able to save money by bundling your coverage with Renter’s Insurance.
What are the U.S. Agencies Direct auto insurance discounts?
If you are looking for affordable U.S. Agencies Direct car insurance rates, it’s important to check out the discounts they offer. U.S. Agencies Direct auto insurance mentions these car insurance discounts on their website:
- Good Driver
U.S. Agencies Direct doesn’t detail how much these discounts will save you, but we’ll discuss the general percentage you may see reduced from your auto insurance policy. We’ll also show you the average annual rates based on age and driving record.
Are there multi-policy and multi-car discounts?
You can receive a multi-policy discount and multi-car discount from U.S. Agencies’ car insurance. To get a multi-policy discount, you have to enroll in two or more services with U.S. Agencies. You may receive 15% to 25% off, though each auto insurance company is different.
Multi-car discounts are usually between 10% and 25% off auto insurance when you have more than one car on your policy. To receive a definitive quote concerning multi-policy and multi-car discounts from U.S. Agencies Direct, you’ll need to contact an agent.
Is there a good driver discount?
Auto insurance companies factor in your driving record when determining your rates. If you have a clean record, you can save over $450 with a good driver discount. Here are some average annual rates based on driving records.
What Are Average Annual Auto Insurance Rates by Driving Records?
|Driving Record||Average Annual Auto Insurance Rates|
|One speeding violation on record||$3,669|
|One accident on record||$4,100|
|One DUI on record||$4,920|
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Clean driving records help provide afforable auto insurance. You can receive up to 20% off your policy if you have a good driving record. If you have traffic violations or accidents on your record, you may want to see what other discounts are available in order to cut costs.
Are there student discounts?
Young drivers typically pay more for coverage, as their inexperience makes them at risk for potential accidents. The following table shows the average annual auto insurance rates by age.
What Are the Average Annual Auto Insurance Rates Based On Driver’s Age?
|Driver's Age||Average Annual Rates|
Drivers under the age of 21 pay up to $3,800 more for auto insurance, while drivers 25 and older pay about $5,000 less.
One of the ways to curb higher rates for young drivers is through student discounts, which carry a 10% to 15% reduction from the insurance total. Combined with other discounts, this could save you a lot of money on your policy.
What programs are available from U.S. Agencies Direct?
U.S. Agencies Direct doesn’t list accident forgiveness or usage-based insurance on their website, but they have a few programs for their customers, such as roadside assistance, windshield repair, telemedicine, hospital indemnity, and accidental death and dismemberment (AD&D).
Roadside Assistance may come with liability or full coverage auto insurance policy. This ensures that you can have your car towed to your residence or auto repair shop. It can also provide help if your car battery needs a jump.
Windshield Repair is a program often combined with comprehensive coverage. Depending on state law, you could have zero deductible.
Telemedicine, hospital indemnity, and AD&D are all programs not directly related to auto insurance. Telemedicine provides medical treatment over the phone or the internet, Hospital Indemnity reimburses you after paying medical costs, and AD&D pays for accidental death.
These programs work similarly to personal injury protection (PIP) and medical payments (MedPay).
Although it’s not directly related to auto insurance, enrolling in these programs can help you prepare for the unexpected.
Let’s get you prepared for auto insurance rates in your local area. Enter your ZIP code in the free comparison tool to get started.
What about canceling your U.S. Agencies Direct auto insurance policy?
Need to cancel? Read on to find out what to expect.
Wondering how to cancel auto insurance from U.S. Agencies Direct? If you’re interested in canceling your coverage policy, there could be a fee. Some cancellation fees range from $25 to $50.
It depends on U.S. Agencies Direct’s auto insurance policy agreement. Some auto insurance companies will ask for a short rate fee, which is about 10% of the remaining balance on your coverage policy.
Do you get a refund if you cancel auto insurance?
If you paid the total balance of your auto insurance policy when you first signed up, you may be entitled to a refund. However, if you cancel a 12-month auto insurance policy after five months, you will likely receive seven months’ worth of auto insurance rates. Refunds on auto insurance vary for each company, so be sure to ask about them before you cancel.
How do you cancel auto insurance?
You can cancel your U.S. Agencies Direct auto insurance simply by contacting your insurance provider and telling them you want to cancel your coverage. If you’re canceling for monetary reasons, they may help you see if you apply for any discounts.
Can I cancel my auto insurance at any time?
Yes. As a customer, you have a right to cancel. However, there are some drawbacks if you cancel immediately. To avoid any penalties or to possibly waive a cancellation fee, set a date in advance for cancellation.
Ideally, you’ll want to cancel your auto insurance 15 to 60 days after you announce you want to cancel. This will give you enough time to find an auto insurance policy with another company or give you time to change your mind.
How do I make a U.S. Agencies Direct auto insurance claim?
When you’re in an accident, contact law enforcement right away to file a police report. After you do that, you’ll need to make a claim with your auto insurance company.
If you need to make a U.S. Agencies Direct auto insurance claim, contact them at 1-844-209-3458 or 1-800-420-3712. When you call, make sure that you provide them with the following information:
- Policyholder’s name
- Policy number
- Names, addresses, and phone numbers of the driver and passengers of the covered vehicle
- Names, addresses, and phone numbers of the driver and passengers of the other vehicle(s)
- Names, addresses, and phone numbers of any witnesses
- A detailed description of the accident.
Once you’ve made your claim, a U.S. Agencies Direct auto insurance agent will contact you on how to proceed and pay any claims at a later date.
If you’ve noticed that claims on your insurance have raised your rate, you may decide to look for less expensive coverage. You can start searching for cheap auto insurance in your local area by entering your ZIP code in our free comparison tool.
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What are U.S. Agencies Direct auto insurance ratings?
We couldn’t find any ratings under U.S. Agencies Direct, but we found ratings from its former name, Affirmative Insurance Group, on A.M. Best. The company was liquidated on April 11, 2016, and canceled its policies on May 11, 2016. It later became U.S. Agencies Direct. We’ve collected their ratings in the following table.
What are U.S. Agencies Direct financial ratings?
|Ratings Agency||U.S. Agencies Direct Ratings|
|Better Business Bureau||A+|
Although the ratings across the web were limited to a few searches, we found U.S. Agencies’ A.M. Best rating was a B-. This means they have a fair ability to meet ongoing insurance obligations. According to A.M. Best, a company with a fair rating has a financial strength that’s vulnerable to adverse changes.
Under the Better Business Bureau (BBB), however, U.S. Agencies Direct has an A+ rating. U.S. Agencies Direct isn’t accredited under the Better Business Bureau and currently has 11 complaints against them on the BBB website.
U.S. Agencies Direct: The Bottom Line
Getting an auto insurance policy with U.S. Agencies insurance is only possible if you live in Alabama or Louisiana. Alabama residents will pay significantly less for auto insurance than Louisiana residents.
However, anyone who lives in Alabama or Louisiana can save money on auto insurance through discounts. Discounts will save you hundreds of dollars, making your coverage more affordable.
Did you buy U.S. Agencies Direct car insurance? Compare your current rates to other companies in your local area by entering your ZIP code in the free comparison tool below.
Frequently Asked Questions: U.S. Agencies Direct Auto Insurance
If you searched for U.S. Agencies Direct car insurance online, you probably saw a different company listed on the results. U.S. Agencies Direct is often mistaken for Direct auto insurance, as well as answer some other frequently asked questions.
#1 — Is U.S. Agencies a good insurance company?
Every customer experience varies. Online reviews can help give you an idea of how U.S. Agencies do business. Ultimately, the answer to this question can only be determined by personal experience.
#2 — Is Direct auto insurance legit?
Yes. Direct Auto & Life Insurance is accredited by the BBB and has an A+ rating. Customers can use Direct auto insurance logins to manage their auto insurance policies. If you’re not a customer, you get a Direct auto insurance quote on their website.
#3 — Does Direct Auto have renter’s insurance?
Yes. The company advertises renter’s insurance on its website. To find out if there’s a Direct auto insurance location near you, visit their website and scroll close to the bottom of the webpage until you see “Find a Store.” Enter your ZIP code, and locations near you should appear. If not, it means Direct auto insurance doesn’t have any locations near you.