Prior Insurance Coverage Savings

Switching Car Insurance Companies Could Save You Money

If you've been with your current car insurance company for at least six months, you may be able to switch to Direct Auto Insurance and take advantage of prior insurance coverage savings!

Does My Previous Insurance Policy Qualify Me for Savings?

You may be eligible for prior insurance coverage savings from Direct Auto if:

  • You have continuously maintained liability coverage with another auto insurance company for at least six months.
  • You have not had more than 90 days of lapse in previous coverage.
  • You can show acceptable proof of prior insurance.

What's liability coverage? Liability coverage refers to two insurance coverages: bodily injury coverage and property damage liability coverage. Most states require some level of liability coverage. If you're liable for injury to another person as a result of a car accident, your bodily injury coverage will help pay for their medical expenses. Similarly, property damage liability helps pay for damage to another person's property that occurs in an accident you cause.

What do you mean by "lapse?" A lapse in coverage means that your insurance is terminated and you become uninsured for some time. It doesn’t matter if your policy is canceled one day or six months—a lapse is a lapse, regardless of how long or short it is.

How Do I Show Proof of Insurance? 

To be eligible for these savings, you must show proof of prior insurance. Acceptable proof of prior insurance includes:

  • A renewal quote from your insurance company
  • A letter from your insurance company or agent
  • Your insurance ID card or declarations page
  • Cancellation notice from your insurance company (before that cancellation takes effect)

In general, these documents must show an expiration date within seven days before or after the effective date of your new auto insurance policy with Direct Auto.

Having proof of insurance is important if you want to qualify for prior coverage savings while also staying legal on the road! If you get pulled over by a police officer and aren't able to show proof of insurance, you could receive a ticket, face fines, or have your driver's license and vehicle registration suspended. Laws vary from state to state.

How Much Could You Save with Direct Auto?

Want some great news? There are so many different ways to save with Direct Auto, not just if you’ve had prior insurance! You could also be eligible for some of our other car insurance discounts.

While some people choose to shop for new auto insurance just before their current policy expires, it would be a worthwhile exercise to see how much you could save with the various discounts Direct Auto offers, even if your policy doesn’t expire for several months or you’re currently uninsured. Call 1-877-GO-DIRECT or visit a nearby Direct Auto location to get your free quote and see if you qualify for prior insurance coverage savings. We’ll make sure you get all the discounts you’re entitled to, and you can even start your coverage today. If you are making the transition from another insurer, just be sure to let them know you’ve switched.

Lapse periods vary by state. Insurance purchased from Direct General Insurance or any of its affiliated insurance companies is not valid as prior insurance (but you could qualify for our “Welcome Back” discount). Discounts may only apply to certain coverages, are subject to terms and conditions, and may not be available in all states or distribution channels. Price may vary depending on how you buy. Insurance produced by Direct Auto Insurance for its affiliates in the National General Insurance Group, Winston-Salem, NC. We offer insurance only in states where we are licensed to do business. You can find this information on our website:

Find a Store

Enter ZIP code to find a store near you.

Start Auto Quote

Enter ZIP code to start your quote.