American Family vs. Direct Auto
American Family and Direct Auto are both smaller companies in the insurance world. Direct Auto only serves 13 states in the US, and American Family offers coverage in only 19 states, although it is the 10th-largest insurance provider in the US.
Unfortunately, most of the similarities end there. American Insurance gets high marks in customer satisfaction, earning a 4 out of 5 rating from J.D. Power and a B+ from the Better Business Bureau. While Direct Auto gets consistently poor reviews from its customers and earns an F from the BBB.
However, Direct Auto is known for providing insurance for high-risk drivers. If you fall into this category, Direct Auto might be worth considering despite its reputation for poor customer service.
Here are the rest of the details you need to choose the right insurance provider for you.
|About the provider||For 90 years, American Family has worked hard to give quality rates and services. In addition to auto insurance, it offers home, life, business, and farm and ranch insurance with a strong commitment to protect its customers.||Founded in 1991, Direct Auto Insurance offers low-cost insurance policies to “nonstandard” drivers — also known as high-risk drivers — who might have a hard time finding coverage elsewhere. But beware, the company gets very poor reviews and only services 13 states.|
|Price||Policy costs depend your personal situation. Visit American Family for a quote based on your specific needs.||Policy costs depend your personal situation. Visit Direct Auto for a quote based on your specific needs.|
|J.D. Power ratings**||4/5 on overall claims satisfaction||N/A|
|Driver discounts||View driver discounts||View driver discounts|
|Vehicle discounts||View vehicle discounts||View vehicle discounts|
* Based on Better Business Bureau’s company rating
** Based on the 2016 U.S Auto Claims Satisfaction Study
|Other discounts||Auto safety equipment – 10-30%|
American Family has a solid reputation and offers discounts in effort to make car insurance more affordable. But if you don’t qualify for insurance through American Family because of a less than perfect driving record, Direct Auto might be worth considering.