Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate drivers about...

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Reviewed by Laura Walker
Licensed Agent for 10 Years

UPDATED: May 6, 2019

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If you’re a higher-risk driver looking for affordable car insurance coverage or just a consumer looking for bargain coverage the Direct General car insurance company may be just up your alley.

The search for quality coverage at an affordable price can be trying but you’ll find that comparing auto insurance rates by entering your zip code in the box on this page can make the process easier.

Before you do, though, read on to get additional information about car insurance from Direct General.

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About Direct General Auto Insurance

The Direct General Group is a holding company that owns several auto insurance agencies, including Right Choice, Cash Register and Florida No Fault.

The fourth and largest car insurance agency under the Direct General Group umbrella is Direct General Insurance Agency, alternately known as “Direct Auto” and “Direct General.”

The Direct General Group has its headquarters in Nashville, Tennessee, and its 420 offices serve 12 states in the South, East and Midwest regions of the United States.

Direct General Car Insurance Plans

To help you save money, Direct General allows customers to adjust their deductibles and coverage levels to suit their budgets.

Drivers who insure their vehicles with Direct General can choose comprehensive or liability coverage, and they can select varying degrees of coverage for collision, bodily injury liability and property damage liability, so long as those coverage levels meet state minimum requirements.

Direct General customers can also supplement their auto insurance plans with coverage for:

  • Medical Payments
  • Personal Injury
  • Uninsured Motorists
  • Rental Vehicle Reimbursement
  • Towing Costs
  • Accidental Death

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Direct General Payment Plans

One way that Direct General sets itself apart from the competition is by offering a variety of flexible payment plans. Rather than assigning each customer a non-negotiable payment date, Direct General allows its customers to select their payment date to suit their personal financial schedule.

This feature helps prevent policy lapses by allowing you to ensure that the money will always be in your account when your car insurance payment is taken out.

Another convenient car insurance payment option available from Direct General is that you can plan your payment schedule according to your needs.

In addition to selecting your payment date, you can also choose the frequency with which you make payments. Some customers prefer to stretch their payments out over the full length of their policy by paying monthly, while others choose to pay every six, three or two months.

Direct General offers car insurance discounts to customers who make payments upfront and if you’re not able to pay for your entire policy upfront, the company may allow you to pay a partial amount upfront, and adjust your monthly payments accordingly.

Direct General Car Insurance Discounts

While Direct General does not advertise its discounts online, most car insurance companies offer their customers discounts for having a safe driving record, insuring multiple vehicles, taking defensive driving courses and being married or owning a home.

Contact the insurer for further details about which discounts may be available to you.

Should You Choose Direct General Auto Insurance?

Direct General’s flexible payment plans and willingness to insure higher-risk drivers will be very appealing characteristics to many consumers.

However, since Direct General is a smaller company, potential customers should be aware that it is not rated by many consumer organizations, so it is difficult to determine how efficiently it handles claims.

Some local Direct General agencies have Better Business Bureau ratings, but they are typically very low due to lack of information about the company.

A.M. Best rated the company’s financial strength “Fair” in 2009, which is quite a bit lower than the ratings given to major insurance companies like State Farm and Allstate.

The best way to get the information you need to pick the right car insurance company is to enter your zip code above and compare car insurance quotes from auto insurers nationwide.

Compare Auto Insurance Quotes with our FREE quote tool today!

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