| Auto Insurance
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If you want to stay legal on the road, having car insurance is one of the necessary expenses, like paying to renew your driver’s license and having your car registered.

Even so, the cost of your car insurance doesn’t have to be a burden on your wallet. Taking advantage of some of the below services can help make your insurance more affordable.

Flexibility in How You Pay

With so many options in how you make your payment, it’s easy to pick the method that’s most convenient for you. With so many hassle-free payment options, you can make your payment—your way:

  • Pay with Cash
  • Make one-time payments with a Credit or Debit card
  • Set-up automatic payments with a Credit or Debit card
  • Pay by text message with a Credit or Debit card**
  • Pay with an Electronic Check
  • Pay at a Direct On-the-Spot Kiosk® (TN residents only)
  • Pay with Cash or a Credit or Debit card at a partner payment location***

Customizable Coverage

Still not sure you can afford your insurance payment? Depending on your situation, you may be able to lower your payments by further customizing your insurance coverage. Here are a couple of insider tips:

Consider Dropping Comprehensive and Collision Coverage

If your car is 8 years old or older, you may not need as much coverage as a newer vehicle. Older cars generally don’t retain their value, and because Comprehensive and Collision are usually limited to the cash value of your car, you might evaluate whether the cost of including that coverage is worth it to you.

However, if your car is leased or financed, your lienholder will require that you maintain a certain amount of insurance coverage.

Pick a Higher Deductible

A deductible is the amount you would pay, out-of-pocket, for the damage to your car or certain other coverages, like personal injury protection. Physical damage (Comprehensive/Collision) deductibles can range from $0 to $1,500. Usually, the higher the deductible you choose, the lower your premium will be for that coverage.

Remove High-Risk Drivers From Your Policy

Higher risk drivers are those who are risky to insure due to their poor driving record, their inexperience behind the wheel, or even their credit history. Sometimes they’re drivers that have had many auto accidents or traffic violations. Because they’re riskier to insurance, high-risk drivers could end up paying more for their insurance than a driver who does not fall into one of the above situations.

If you’re carrying a high-risk driver on your policy, you may want to consider excluding them from your policy if that’s allowed in your state. You could suggest that the high-risk driver carpool with you rather than drive, or look into alternative transportation options in your area like public transportation or transportation networks like Uber. Until your budget can afford it, excluding them from your policy may help you lower your cost for insurance.  Keep in mind that if you exclude a driver, your policy will generally not provide coverage if the excluded driver is operating your vehicle when a claim occurs.

Customizable Payments*

When you renew your policy or purchase a new one, you don’t have to settle for the default payment plan or payment due date. At Direct, you can take a look at your other important expenses, how often you get paid, and then choose the due date and installment plan that works best for you. Follow these simple steps to customize your insurance payment.

 

No matter what’s keeping you from the auto insurance coverage you need, Direct Auto would like to help. Give us a call at 1-877-GO-DIRECT or stop by one of our more than 400 stores to meet with an understanding agent.

 

*Payment plans are subject to terms and conditions and may not be available in all locations. Cost may vary based on how you buy.

**Pay-by-text services provided by FirsTech, Inc., which is not an affiliate of Direct.  Standard messaging rates may apply.

***Processing fees may apply. Partner payment locations can only accept payments and cannot make changes to your policy.

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