Direct General and ACE: Working Together to Provide Auto Insurance Near You
CheapCarInsuranceinc.com Rating: 
Direct General Insurance Review
Regrettably, Direct General doesn’t have the most spotless reputation when it comes to their customer service record. But there are signs that things may be improving. For starters, their rating with the BBB has risen from a B+ to an A+ due to efforts on Direct General’s part to address complaints and settle disputes. Financially speaking, they have also received a “B” rating from the Credit Rating Agency A.M. Best.
| Ratings Agency | Rating |
| AM Best Financial Strength Rating (2016) | B (Stable) |
| Better Business Bureau (2016) | A+ |
| NAIC Complaint Index (2012) | 4.09 (National Median: 1) |
Direct General Insurance Discounts
Direct General’s list of available discounts is fairly standard compared to other Automobile insurance companies. The amount of money you might be able to save, however, is fairly decent. Some of their discounts, such as their Military Discount or their Multi-Car Discount could save you as much as 25% per discount if you qualify:
| Discount | Maximum % Savings |
| Multi-Car Discount | 25% |
| Low Mileage Discount | 5% |
| Prior Coverage Discount | 25% |
| Renewal Discount | 20% |
| Homeowner Discount | 15% |
| Affinity Discount | 5% |
| Multi-Product Discount | 5% |
| Welcome Back Discount | 6% |
| Safe Driver Discount | 10% |
| Military Discount | 25% |
| Good Student Discount | 10% |
| Senior Citizen Discount | 5% |
(*DirectGeneral.com 2016)
Direct General Auto Insurance Options
If you’re unsure about what type of coverage you need, Direct General offers a convenient online assistant that can help you decide on what coverage to buy, and in what amounts. They will of course offer you the bare minimum amounts and coverage required by your state, and some of the additional options below if you feel you need them:
- Emergency Protection Coverage – a special coverage package which offers reimbursement for hospital stays, medical expenses, ambulance rides, and legal fees
- Personal Effects Coverage – provides reimbursement options for damaged or stolen personal effects
- Rental Coverage – reimbursement for costs associated with renting a vehicle if your car requires repairs or replacement
Comparing Direct General Insurance Quotes
Comparing quotes between companies is important to make sure you’re getting the best possible deal. For a basic insurance policy on a 2014 Honda Accord, you might be able to get quotes from Direct General as low as $34/mo depending on your circumstances:
Naturally, getting the lowest possible price will depend on your credit history, your driving record, or whether or not you qualify for a discount such as Home Ownership or Safe Driving. The fewer discounts you qualify for and/or the more blemished your record is, the more you might have to pay for your premiums.
Pros and Cons of Direct General Insurance
| Pro | Con |
| Emergency Protection Plan provides good coverage compared to their competition | Still trying to improve upon customer service complaints |
| Fewer punitive rate increases for things like poor credit or having violations on your driving record | Coverage only available in 12 southern states; not all areas of all states are covered |
Getting good insurance coverage can be a challenge – but comparing rates from different companies can help you get a better rate on your premiums. If you live in one of the twelve states where Direct General offers their services, you might be eligible for affordable coverage even if you have poor credit or accidents in your recent history. Just be wary of the fact that that their customer service and financial strength might not be as strong as other companies near you.
Corporate Headquarters1281 Murfreesboro Road
Nashville, TN 37217-2432
www.directgeneral.com
Phone:615-399-4700
Fax:615-366-3722