Direct Auto Insurance Discounts

Things You Need to Know Before Buying Car,House, Health & Life Insurance online.

Insurance Buying Tips #1: Shop smart
When looking for insurance, your No. 1 priority should be to find adequate coverage. Price is important, but you’ll want to determine what kind of coverage you need first. Then you can fit that coverage into your budget and determine which carrier can provide you with the most comprehensive policy for your situation. You may be tempted to choose insurance with the lowest price tag, but if you don’t have enough coverage (or the right kind of coverage), you will see less financial benefit when it comes time to file a claim.
Insurance Buying Tips #2: Look for discounts
Once you evaluate your coverage needs, factor in your budget and find ways to save. Ask your insurance agent if there are any discounts on your coverage. Often, carriers offer discounts for things like paying your policy in full, staying auto accident-free or, if you’re in school, getting good grades. You also can save money by “bundling” multiple policies, such as purchasing a home and auto policy from the same carrier.
Insurance Buying Tips #3: Fill in the gaps
An average policy will cover the basics, but you may need to add extra coverage to meet your unique needs. For instance, you may have items like electronics or a nice piece of jewelry that would be financially difficult to replace, even with the assistance of your average renters or homeowners policy. You may want to add additional coverage for these items.

The company is popular not only for its Virtual Coverage Assistant feature, but also for its generous discount options. There are discounts for every insurance type it provides, allowing you to purchase even many types of coverage, but you can still save good amount of money. Especially for drivers, Direct Car Insurance offers some options including senior citizen discount, military discount, safe driver discount, and good student discount. Moreover, there are also multi-car and mileage discounts.

Senior Citizen Discount : This option is available for all drivers with a minimum age of 55 years old. To be eligible, Direct General Insurance requires you to successfully complete a course of motor vehicle accident prevention. It allows you to save up to 5% of your total premium rate.

Military Discount : From all drivers' discounts available from Direct Auto Insurance, this particular option offers the biggest saving. Especially for active military personnel, they can save up to 25% of auto insurance. A copy of the current orders is required to be eligible.

Insurance Buying Tips #4: Purchase life insurance—you aren’t too young
Life insurance is essential, no matter how young or old you are. And for millennials, buying now may be a smart move because it’s cheaper to buy a life insurance policy when you’re young and healthy. This kind of insurance can help your family cover unexpected costs in your absence, including student loan debt or a mortgage, in addition to end-of-life costs. And if you have kids, a life insurance policy can also support their education or childcare expenses. Additionally, every millennial should consider long-term disability coverage, which helps you stay afloat financially if an accident happens and you become disabled and unable to work.
Insurance Buying Tips #5: Talk to an independent agent
An independent insurance agent is an essential resource when purchasing insurance—especially if this is your first time. An independent agent works with multiple different carriers, which is different from captive agents who can only sell insurance from the carrier they work for. Working with an independent agent can help make sure that you are getting the best coverage, for the best price. You’ll also benefit from independent agents’ insurance knowledge; they know how to talk you through your options and actually explain what each policy includes. An independent agent will make sure all of your assets are covered, help you find discounts or other ways to save, and be a valuable resource as your life changes and your insurance needs change, too.
Insurance Buying Tips #6: Only buy insurance to maintain your existing standard of living
You don’t need insurance for events that won’t severely strain your finances. Start with your basic needs (home, auto, business), then work your way to include other needs (cyber, liability). You can always obtain coverage later for something if you change your mind. You can minimize your risk and maximize your savings by buying insurance that won’t cause you to break the bank.

Safe Driver Discount : Being a good driver is always a good idea. Direct General Auto Insurance offers 10% saving, if you are a policyholder for 36 months and have been accident/violation free during that period.

Good Student Discount : For full-time students who are still unmarried, Direct Car Insurance provides a chance to save up to 10%, but you need to get B average. Honor students and those who rank among the upper 20% of the class also deserve this discount.

Apart from those good offers, Direct Auto Insurance actually has more discounts including multi-car and mileage. Multi-car discount applies when you have two or more cars covered under the same policy written by the company. If your family owns multiple cars, it is always a good idea to ask for such discount. The maximum saving is 25%, which is quite a lot especially if you purchase optional coverage as well. The mileage discount allows you to save up to 5%, but your car needs to travel under certain limit of distance on annual basis. Please visit local Direct General Auto Insurance store or visit its official website to learn more about the eligibility requirement.

Insurance Buying Tips #7: Ask your insurance provider what the policy doesn’t cover
Every insurance policy has perils that are not covered by your policy. These perils are referred to as “exclusions”, and every policy has them. Ask your insurance provider to explain the exclusions in your policy to avoid discovering what they are once you incur damages or a loss.
Insurance Buying Tips #8: Consider bundling several policies with one insurance carrier
here may be value in bundling several policies with one insurance carrier. If you’re looking to insure multiple vehicles or obtain multiple types of business coverage (e.g., liability, property, cyber), then you may want to consider obtaining coverages under one insurance provider who carries multiple products, and who may be able to offer you multi-policy discounts or loyalty programs.
Insurance Buying Tips #9: Review your insurance needs on a yearly basis
As your needs evolve, so will your insurance policy. Maybe you’ve acquired a new vehicle since obtaining auto insurance for your primary vehicle, or started operating your business out of your home, or experienced a cyber-attack during the year… Whatever the change(s), you’ll want to make sure you’re covered for any new risk exposures. Talk to your insurance provider to stay on top of your insurance needs.
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