Acquiring insurance coverage may not be as easy as you expect, especially if this is your first time. Young drivers, who were previously included in their parents policies, need to have their own auto insurance coverage sooner or later. There are some basic requirements such as credit card and saving accounts; many insurers also require applicants to actually have a home. Even when the basic requirements are already fulfilled, young drivers often have to pay quite high premium due to various reasons, for example no home ownership or simply lack of driving experience. Direct General Auto Insurance (or simply referred to as Direct Auto Insurance) has its own method to make the entire processes very easy. To get Direct Auto Insurance quote, applicants do not even need to actually have credit card or saving accounts, meaning young drivers can apply with good chance of approval.
Driving experience is an also an important factor to determine insurance rate. Without enough experience, insurance companies will treat young drivers as "high-risk", meaning they should purchase non-standard coverage which is always more expensive than its regular counterpart. When acquiring Direct Auto Insurance quote, please remember that you can use the discount as long as you are eligible for it. For young drivers (especially those without occupation or home ownership yet), the "good student" discount is an excellent option to reduce premium by up to 10%.
You can ask for Direct Auto Insurance quote online or at the companys branch offices spread across 13 states. There are more than 400 branch offices, and you can even acquire quote by phone. Even without credit card or checking account, you can pay the premium bill quite easily, too. In fact, auto direct insurance allows you to choose any specific date in a month to pay the bill, plan your own schedule, installment plans, and even payment methods in including online, offline, and even via phone too.
Young drivers can acquire the quote online and have it delivered to home addresses. In case you are not sure about what type of coverage to purchase, Direct Car Insurance provides you with Virtual Insurance Agents including Coverage Assistant and Life Coach; both are designed to help you to understand what coverage to purchase and make sure that your choices comply with states regulation. Those virtual agents will ask some simple "YES or NO" questions and give suggestions based on your answers. Recommendations are given instantly and automatically when you are asking for quotes. However, it is possible to change the companys recommended coverage plan and simply purchase those that you need the most.