Why Direct Auto Insurance

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.

Certain companies, such as Direct General Auto Insurance or commonly called Direct Auto Insurance surely has some interesting programs and comprehensive guidance to help customers, both new and existing ones, to make a purchase or renew policies.

Virtual Coverage Assistant

Most companies do have agents, but Direct Auto Insurance offers online communication with the company's agents who guide customers to decide what coverage they need based on their circumstances; this service is called Virtual Coverage Assistant. In such service, customers will need to answer few basic questions, for example state, current insurance, roadside assistant, etc. Based on the answers, Virtual Coverage Assistant will list all the coverage policies you need. It is not a complicated procedure, but a very effective one to at least provide a general overview of what you actually need from auto insurance.

Coverage Options

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.

The coverage options, as a general rule, have to comply with the rules of each state. Virtual Coverage Assistant takes that consideration into account, and it allows you to ask for free quotes after you see the results/recommendations. Most states require drivers to at least have Bodily Injury Liability Coverage, Property Damage Liability, and Personal Injury Protection. Thankfully, Direct Auto Insurance provides those and various optional coverage as well such as Comprehensive, Medical Payments, Rental Reimbursement, Accidental Death Coverage, Towing, Uninsured Motorist, and more. In most cases, Direct Auto Insurance has what it takes to give you reliable protection with all its coverage options regardless of where you live.

To prevent massive expense following an accident, EPP (Emergency Protection Plans) is also available to cover different kinds of payments which are not actually covered by the insurance policies you currently have.


Direct Auto Insurance also offers various discounts for customers. Car insurance is not a cheap purchase, so the availability of discounts can greatly reduce the overall cost. One of the biggest discounts from Direct Auto Insurance is Military Discount which allows you to save up to 25% of the overall premium. There are also discounts for senior citizen, safe driver (no tickets or accidents for the past 3 years), and good students, too. Apart from those generous offers for drivers, you may also save some money with Direct Auto Insurance if you are eligible with vehicle discounts, for example with low mileage and if you have multiple vehicles insured.

Certain method of payment is probably good for someone, but it is not always for everybody else. This is why Direct Auto Insurance has many different possible payment methods for the customers.

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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