Frequently Asked Questions

The lowest cost coverage you can get is determined by the deductible amount, specific coverage plan, and the amount of financial protection you choose. And, remember, unlike some other insurance companies, we offer flexible payment options to help you manage your monthly budget regardless of the coverage you select.

Coverage limits do vary state by state. Regardless, we at Direct Auto always make sure you get the level of coverage required by law. Also, if you need to have comprehensive and collision coverage or want other optional coverages, we can provide those as well.

While we offer everything you'll need, the exact plan you choose depends on your personal needs and the amount you wish to spend. But a few things to consider as you make your decision: Who will be driving your vehicles? Are you currently making payments on your car or truck? If so, comprehensive and collision coverage might be required by your lender. They may also require you select a specific deductible.

We will make sure you have the coverage required by law to drive, but if you feel unsure at any time during the quote process, we'll be happy to help you through it. Just call one of our experienced representatives at 1-877-GO-DIRECT (1-877-463-4732), and they'll walk you through any concerns you might have.

You can always add or subtract a car or driver from your policy or make changes to your auto policy coverages by speaking with one of our friendly representatives over the phone or in person at one of our local stores. They can also help you with any other changes at that time. You may also log into MyAccount and select "Change My Policy" from the left-hand menu to add or remove a vehicle and driver. 

No. You may simply add them to your existing policy.

It's easy to add or remove a driver on your existing policy. Simply call 1-877-463-4732 or visit your local agent. Eligible policyholders can also make these changes in MyAccount online. Register for MyAccount (if you're registering for the first time) or log in with your User ID and password (if you're a returning user). Click on "Change My Policy" and then add or remove a driver. Your local agent or customer service representative is happy to help with changes that may not be made online.

You should have received a letter from Direct Auto explaining why the driver was added to your policy and instructions on how to remove or exclude the person if applicable. If you have the letter please fill out the information in the letter and return it to Direct Auto via one of the options below:

·       Fax to 877-849-9022 (Attn: Underwriting);

·       E-mail to: service@directauto.com; or

·       by regular mail to: P.O. Box 3199 Winston Salem, NC 27102-3199

If you did not receive the letter from us or have questions, please contact your local agent or customer service and they will be happy to help you with the change.

The Declaration Page shows the specific policy detail for the individual insured, such as: the name and address of the insurer, the Named Insured and producing agent; the policy period, the property (vehicles) insured; the coverages, deductibles and premiums charged; other drivers and excluded drivers; policy and endorsement forms that are applicable to the policy.

There are many reasons your premiums could go up at renewal. Sometimes insurance companies have to increase their rates due to market circumstances. Other factors might be unique to you, for example: Did you have any accidents or violations since your policy was taken out or since your last renewal? Did you add any additional vehicles or drivers? Did you change your limits or deductibles on your coverage? Did you move? These are the most common reasons for an increase in your premium from your prior policy term. If you have questions about your premiums, contact your local agent or the customer service center.

In certain circumstances, Direct Auto could make a change to your policy (see: Why did my premiums go up after binding?). Any time a change is made by the company to your policy, a letter will be sent notifying you of the change and why the change was made. Once we receive the requested documents or information, your policy could be returned to its previous status.

There are several ways you can cancel your coverage. You can go into a local store and sign a cancellation request or call customer service at 877-463-4732. You can also handwrite a statement. (The handwritten statement should include the policy number, full name, address, date of birth, the date you need the policy canceled, and the policyholder's signature.) You can fax this statement to 877-622-7338. Or you can request a cancellation online by emailing customer service. (The email should include an explanation of your request, the policy number, full name, address, date of birth, and the date you need the policy canceled.) We will be glad to forward your request to the correct department for processing.

You are eligible to request reinstatement without a lapse so as long your policy has been canceled for fewer than the required number of days and you have not had an automobile accident during the period that your policy was canceled.

To request that we reinstate your policy, you will need to:

1. Sign a no loss statement if you are able to truthfully do so;
2. Pay all monies owed to us as of the date you request reinstatement; and
3. Provide proof of residency.

This can be done one of three ways:

1. In-Person - Go to any of our Direct Auto sales offices and pay in person with a credit or debit card, check, cash or money order.
2. Online - Pay online with a credit or debit card in MyAccount or the mobile app.
3. Call - Pay with a credit or debit card by calling1-877-GO-DIRECT (1-877-463-4732). 

To show proof of residency, you will need one of the following:

• A utility bill showing the address of the applicant-payor within 30 days of the term effective date
• A valid, unexpired copy of the applicant's state driver's license showing the address of the applicant

If your policy has been canceled for more than the required number of days or if you had an auto accident during that time that your policy was canceled, you will have to apply for a new policy.

You are eligible to request reinstatement without a lapse so as long your policy has been canceled for fewer than the required number of days and you have not had an automobile accident during the period that your policy was canceled.

To request that we reinstate your policy, you will need to:

1. Sign a no loss statement if you are able to truthfully do so; and
2. Pay all monies owed to us as of the date you request reinstatement.

This can be done one of three ways:

1. In-Person - Go to any of our Direct Auto sales offices and pay in person with a credit or debit card, check, cash or money order.
2. Online - Pay online with a credit or debit card or electronic check in MyAccount. 
3. Call - Pay with a credit or debit card by calling 1-877-GO-DIRECT (1-877-463-4732). 

If your policy has been canceled for more than the required number of days or if you had an auto accident during that time that your policy was canceled, you will have to apply for a new policy.

"Ancillaries " or "Ancillary products " are optional products that our agents offer and are provided by companies that are not affiliated with Direct Auto. These are separate from your auto insurance policy but typically complement it. For example, Roadside Assistance, Travel Protection Plan, and Auto Protection Plan are ancillary products we offer.

An SR22 or FR44 is a form of certification that your insurance company provides to the state verifying that you have an automobile insurance policy in force that meets the necessary requirements. Many states require us to submit the SR22 or FR44 record electronically although some still accept the paper form. You must specifically ask your agent for an SR22 or FR44 (or check the appropriate box when applying online). In many states, you must also pay us an additional filing fee.

In certain states, you must pay the premium in full so that the policy is not at risk for cancelling due to nonpayment. For example, if your case number starts with a "2" or "4" in Florida, or if the SR-22 is to be filed in Georgia, your policy must be paid in full. If you already have an active policy with Direct Auto, the existing policy must be canceled and a new one set up, which must be paid in full. You can do this one of two ways:

1. In-Person: Get face-to-face help with a knowledgeable agent at your nearest store location.
2. Call: 1-877-GO-DIRECT (1-877-463-4732) to talk with an agent over the phone.

Check with your local agent or call 1-877-GO-DIRECT (1-877-463-4732) to see if our homeowner discount is offered in your state and if you would qualify. In order to receive the discount, you'll need to submit a declaration page from your home insurance, a copy of a recent coupon/mortgage statement, or recent tax records.

Check with your local agent or call 1-877-GO-DIRECT (1-877-463-4732) to see if our prior insurance discount is offered in your state and if you would qualify. In order to receive the discount, you'll need to submit acceptable proof of prior insurance as outlined below:

• A declaration page from the prior company showing at least 6 months of coverage and with an expiration date within seven days (before or after) of the effective date of your new Direct Auto policy. If the expiration date on the declaration page is eight or more days from the effective date of your new Direct Auto policy, you'll need to submit additional documentation in the form of:
  • A letter of experience from the prior company verifying the policy is still in force
    OR
  • A cancellation notice showing the date the policy was canceled.
• A letter from the prior company verifying the policy was in force at least six months and did not have a lapse of more than seven days.
• A renewal quote of which the effective date must fall within seven days (before or after) the effective date of your new Direct Auto policy.

A cancellation notice that shows at least six months of coverage and a cancellation date within seven days (before or after) the effective date of your new Direct Auto policy.

To show proof of residency, you will need one of the following:

• A utility bill showing the address of the applicant-payor within 30 days of the term effective date
• A valid, unexpired copy of the applicant's state driver's license showing the address of the applicant

There is no grace period for renewals. If you are within 30 days of your policy expiration date, we can renew your policy so you can retain your current policy number, but you will have a lapse in coverage. Also, once your policy expires, the renewal offer we sent you is no longer valid and your price to renew could change.

There are a number of factors that go into calculating your rate for auto insurance: your coverage limits and deductibles, where you live, what kind of car you drive, how your car is used, who can drive your car, your household structure, as well as information from consumer reports like your credit, MVR's, and loss history.

Call 1-877-GO-DIRECT (1-877-463-4732) and customer service will be glad to help. You may also visit a local agent in your neighborhood for in-person assistance.

A non-owner's car insurance policy typically provides financial responsibility coverage for an individual who does not own a car but operates a vehicle that is not owned by him or a family member or otherwise needs to have proof of financial responsibility. This type of policy usually doesn't provide physical damage coverage.

We do offer a discount to employees of our Affinity Partners. Check with your local agent or call 1-877-GO-DIRECT (1-877-463-4732) to find out if your employer is an Affinity Partner. This discount is not available in all states.

Direct offers several discounts, including a prior insurance discount, multi-product discount, multi-car discount, homeowner discount, good student discount, safe driver discount, affinity discount, and more. Not all discounts are offered in all states. Talk to your local agent or call 1-877-GO-DIRECT (1-877-463-4732) to find out what discounts are offered in your state and if you qualify.

No, your premiums will be adjusted at your next renewal.

You can either submit (1) a police report indicating the accident is not at-fault or (2) proof the other insurance company paid the claim.

All requests will be reviewed by Underwriting and/or Claims prior to a change being made.