What Types of Car Insurance Coverage Does Direct Auto Offer?

Direct Auto offers seven main auto insurance products: liability, collision, comprehensive, uninsured motorist, personal injury protection (PIP), and roadside assistance, plus a usage-based discount program called DynamicDrive®. The right mix depends on your state's minimum requirements, your vehicle's value, and your budget. Direct Auto presents these as options "that fit any budget and situation," and advertises savings of up to 40% through multiple discounts.

Core Coverage Types

Liability Insurance

Covers claims filed by others if you cause an accident or injury. This is the foundation of most state minimum requirements, so it is typically the first coverage you must carry.

Collision Coverage

Covers damage to your vehicle from collisions or hit-and-run incidents. Choose this if your car has meaningful replacement value and you could not easily absorb repair costs out of pocket.

Comprehensive Insurance

Covers damage from non-collision events such as weather and vandalism. It pairs naturally with collision coverage for newer or financed vehicles.

Uninsured Motorist Coverage

Covers accident-related damages if another driver is at fault and uninsured. This matters in states with high uninsured-driver rates or if you want protection against others' gaps in coverage.

Personal Injury Protection (PIP)

Covers medical expenses and lost wages for you and your passengers after an accident. PIP is required in some states and optional in others, so availability and rules vary by location.

Add-On Service

Roadside Assistance

Direct Auto describes this plan as coming "to your rescue when you have an unexpected roadside emergency." It is a service add-on rather than damage coverage, useful if you want towing or jump-start help without paying per incident.

Discounts That Affect Your Premium

Direct Auto lists several discounts that can lower what you pay for the coverage above:

The site also advertises "Switch and Save Up to $69/Month" for customers who change insurers, and notes that various discounts together could save up to 40% on your premium. These are marketing figures, not guarantees—your actual rate depends on your profile, location, and vehicle.

How to Decide What You Need

• Start with your state's minimum requirements. Liability (and in some states PIP) is usually mandatory; confirm the specific limits where you live.
• Add collision and comprehensive if your car is worth repairing. For older, low-value vehicles, the premium may outweigh the benefit.
• Consider uninsured motorist coverage if you want a buffer against other drivers' gaps.
• Add roadside assistance if you would rather not arrange towing separately.
• Ask about discounts before finalizing. Multi-car and payment discounts are the largest advertised levers.

Managing Your Policy

Direct Auto offers a mobile app to access your policy and ID card, pay bills, file claims, and request roadside service. Payment options include Quick Pay (credit or debit card without logging in), MyAccount online payments, and Auto Pay with a chosen payment date and schedule. You can also pay by phone at 1-877-GO-DIRECT, with cash at a nearby location, or through the app. The company reports 500 local stores, 24/7 support, and more than 30 years in business since 1991 as part of the Allstate® family.

To get exact pricing for your situation, start a quote on the site—advertised savings percentages are ceilings, not quotes.