Cheap Car Insurance

Save Money with Cheap Auto Insurance

With Direct Auto, you don't have to compromise on car insurance. You can get both the reliable protection and the low rates you want! Our friendly agents work with you to offer quality coverage that works with your budget. Depending on your situation, that could mean cheaper, more affordable car insurance and even cheap car insurance overall. And rest assured that “cheap auto insurance” never refers to the quality of our products and services; it simply means affordable. From exceptional services, low down payments and low monthly payments, to multiple car insurance discounts to multiple ways to pay, you can truly have it all. Start saving today with Direct Auto Insurance, a trusted member of the Allstate® family.

Affordable auto insurance is a call, click, or visit away

Every driver is different. So is every car insurance policy. At Direct Auto Insurance, we get it. That's why we offer you choices every step of the way. With affordable coverage options, extra services, great payment plans, and money-saving discounts that could help you get the cheap car insurance you want, we're here to help you build the best auto insurance policy for your needs. Start with a fast and free car insurance quote online, and you'll see! You can also call 1-877-GO-DIRECT or visit your store to talk with a friendly agent in person. 

Why Buy Car Insurance?

While car insurance coverage requirements vary by state, almost every state requires some form of liability insurance. It's the law. What's more, the right car insurance coverage can help protect you and your loved ones financially in the event of a car accident, theft, or other covered loss.

Since 1991, Direct Auto Insurance has been providing drivers across the country with affordable car insurance and quality services — regardless of their insurance history. Today we’re proud to be part of the Allstate® family, and we’re ready to help you find the best policy for your needs, no matter the circumstances.

What Kind of Car Insurance Does Direct Auto Offer?

Get to know our car insurance coverages below, and don't hesitate to contact us with any questions. Friendly agents are standing by to walk you through the ins and outs of auto insurance! Read on to learn about the different types of coverages we offer.

Liability Insurance

Liability insurance is one of the most basic types of car insurance. You might hear other drivers refer to this family of coverage as "liability only" or "minimum auto insurance,” which generally includes bodily injury and property damage liability coverages. If you cause an accident, these coverages help pay for the other driver's medical expenses and property damage (but not yours).

Collision Coverage

Collision insurance is a type of coverage that will pay for your car to be repaired or replaced if it hits another vehicle or object or is hit by another driver in a hit-and-run accident. You may be required to carry collision coverage (along with comprehensive insurance) if your car is leased or financed. You must meet the deductible before your coverage helps cover the claim.

Comprehensive Insurance

Comprehensive insurance (also referred to as “other than collision coverage”) helps pay for damages to your car if it's stolen or damaged in an event other than a collision, like a storm or contact with an animal. There's a good chance you'll be required to carry comprehensive (and collision coverage) if your car is leased or financed. A deductible payment is required before your insurance helps pay the remaining costs.

Uninsured Motorist

Uninsured motorist coverage, or UM Coverage, will help pay for your expenses if you're injured in a car accident and the at-fault driver can't be identified, doesn't have liability insurance, or doesn't have enough liability insurance to cover your claim. In some states, uninsured motorist coverage applies only for bodily injuries; property damage is also available in others. In certain states, coverage for an “underinsured motorist” (where the at-fault driver has liability insurance, but it is not sufficient to cover your damages) is sold separately.

Personal Injury Protection

Personal injury protection, or PIP, is a coverage that helps pay for certain medical, hospital, and funeral expenses in the event of an auto accident, no matter who is at fault. In some states, Personal injury protection is required in addition to your other auto insurance coverage, while other states offer it as optional insurance. PIP coverage is not available in all states.

Towing Coverage

If your car breaks down or can't be driven after an accident, towing coverage can be purchased with comprehensive and collision coverage to help cover or reimburse you for emergency towing costs up to the limit selected. If you don’t have comp & collision, Direct Auto also offers a roadside assistance plan with 24-hour emergency towing service.

Rental Reimbursement

Rental cars aren't always cheap. Rental reimbursement is an optional coverage that can typically only be purchased with comprehensive and collision coverage to help reimburse you for the cost of a rental car if your vehicle can't be driven after an auto accident or other covered loss.

Medical Payments

Medical payments (often called Med Pay) is an optional car insurance coverage that will help pay for you or your passengers' medical, hospital, and funeral expenses in the event of an auto accident, no matter who is at fault. Med Pay typically moves with you, meaning that you’re covered if you’re walking, riding in a friend’s car, or on public transportation, both in and out of state.

Get Cheap Car Insurance in 3 Simple Steps

With Direct Auto, car Insurance can be both simple AND affordable.

1. Get a Personalized Quote

Online, over the phone, or in-store, your auto quote factors in your individual needs and budget. We offer multiple discounts up to 25%* for safe driving, purchasing multiple insurance products, and more. Plus, we offer low rates and low down payment options to help make car insurance more affordable.

2. Customize Your Plan

Whether you need an auto policy that fulfills your state's minimum requirements or provides more coverage, we’ll help you custom-build a plan that fits your life perfectly. Simply select the payment date, amount, and method of payment that’s convenient for you.

3. Enjoy Affordable Coverage

With Direct Auto, you can be confident about your coverage, drive legally, and protect your financial future. Our quality insurance coverages and great services, including 24/7 claims service and optional plans like roadside assistance, will make you feel more secure on the road and everywhere in between.

Ways to Get a Cheaper Car Insurance Rate

It pays to know how you could find a more budget-friendly, cheaper auto insurance rate. Here are some tips on working towards cheap car insurance and getting car insurance discounts from Direct Auto.

  • Determine the coverage you need. While you must comply with your state’s laws, consider reducing coverages exceeding the minimum requirements or dropping unnecessary coverages.
  • Reconsider the drivers on your policy. Excluding certain drivers from your policy, especially “high-risk” drivers, may help reduce your overall rate.
  • Take care of your driving record. Policyholders who remain violation and accident-free for 36 months may qualify for a safe driving discount.
  • Drive the least expensive vehicle to insure. Before you buy a used car, get a few quotes for the vehicle you’re interested in to estimate which one has the lowest insurance rates.
  • Insure all your vehicles together. Earn a discount by insuring more than one vehicle in your household with us, whether it’s a car, motorcycle, or commercial truck.
  • Insure multiple products together. Adding products like term life insurance, roadside assistance, and an emergency protection plan to your auto policy can help you save.
  • Join our DynamicDrive program. Enroll in DynamicDrive℠ and download the Routely app to share your driving insights for instant savings and potentially more at renewal.
  • Complete a qualifying driving course. With driver education discounts, policyholders save money on their insurance when qualifying drivers complete an approved course.
  • Avoid a lapse in coverage. When you continue your car insurance coverage for at least six months, you could qualify for prior insurance coverage savings.
  • Inform us of anti-theft and safety devices on your vehicle. Depending on how new your ride is and its features, you could be eligible for vehicle equipment discounts.
  • Adjust your billing and payments. Paying your policy in full, enrolling in auto-pay, and going paperless can mean payment discounts.

Get a Car Insurance Quote Today

Are you ready to see how much you could be saving on car insurance with Direct Auto? You can get a vehicle insurance quote almost anywhere, anytime. It's easy! Get a free car insurance quote online, call 1-877-GO-DIRECT, or visit a Direct Auto location near you. When you need us, we're there and ready to talk about car insurance prices, SR22s, getting the right coverage when your teens start driving, finding cheap car insurance, and much more. Immediate auto insurance coverage and proof of insurance are a call, click, or visit away!

Here's What Direct Auto Customers Are Saying

"Best car insurance agency ever!"

Stephanie in Waco, TX

"I love the agents here, they are super nice and helped me get a good rate! I picked when I wanted to pay and that was awesome. Thanks Direct for helping me stay legal!"

Joe in Nashville, TN

"The representatives are courteous… and they take the time to treat you as if you are their only customer by making sure your interaction with them is handled to your satisfaction."

Wanda in Kissimmee, FL



*Savings percentage by discount based on maximum applied. Rates and individual savings, if any, vary. Pay plans and discounts subject to availability, terms and conditions. Named driver exclusions are not available in all states. DynamicDrive is a telematics app that provides individualized driving feedback to better understand driving habits and promote safe driving. App available from the App Store or Google Play and is subject to terms and conditions.

Material in this article is for general information or entertainment purposes only and was accurate as of the date of first publication. We are not responsible or liable for the availability of links to websites or resources, or for your reliance thereon. Any references to data, third party rates, or products are subject to change without notice. All coverages, discounts, features, or benefits referenced are summary descriptions and are subject to terms, conditions, and exclusions of the individual carrier. Availability and eligibility will vary by state, insurer and individual. Trademarks are property of their respective owners. Direct Auto Insurance produces insurance for its affiliates in the National General Group, Winston-Salem, NC and is only offered in states where it is licensed to do business.

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