Direct Auto vs. The General: Which provider is better?

Both Direct Auto and Then General provide car insurance for high-risk drivers. If you fall into this category, you might be trying to decide between the two. So we’ve gathered the info you need on both providers so you can pick the one that works best for you.

Direct Auto serves only 13 states and has a reputation for poor customer service, receiving an F from the Better Business Bureau. The General, on the other hand, earns an A+ from the BBB. Neither offer many discounts, if any at all. But if you have driving violations or a poor credit history, you might be left with no other options.

Check out our side-by-side comparison below so you can choose the provider that best suits your needs.

	Go to site Read review	Go to site Read review
OVERVIEW			OVERVIEW
About the provider
About the brand	Qualify for car insurance stacked with multiple discounts, whether or not you have a spotty driving record.	Snag affordable coverage for high-risk drivers, a marketing claim backed by our rate analysis which showed premiums less than $80 a month.
States served
States served	AL, AR, FL, GA, LA, MS, MO, NC, SC, TN, TX, VA	All states except Hawaii, Massachusetts, Michigan and New Jersey
COVERAGE			COVERAGE
Roadside assistance
Roadside assistance	Optional	Optional
New car protection
New car protection	No	No
Accident forgiveness
Accident forgiveness	No	No
Rideshare coverage
Rideshare coverage	No	No
SR-22 insurance
SR-22 insurance	Yes	Yes
Claims methods
Claims methods	phone	Phone App
Payment schedule
Payment schedule	monthly custom	12 months monthly
DISCOUNTS			DISCOUNTS
Anti-theft device discount
Anti theft device discount	Yes, up to 10%	Yes
Bundling discount
Bundling discount	Yes, up to 10%	Yes
Home owner discount
Home owner discount	Yes, up to 15%	Yes
Military discount
Military discount	Yes, up to 25%	Yes
Multi car discount
Multi car discount	Yes	Yes
Paid in full discount
Paid in full discount	Yes	Yes
Safety device discount
Safety device discount	Yes	Yes
Safe driver discount
Safe driver discount	Yes, up to 10%	No
Special employment discount
Special employment discount	No	No
Student discount
Student discount	Yes, up to 10%	Yes
Usage based discount
Usage based discount	No	No
Learn more
Learn more	Go to site Read review	Go to site Read review

Bottom line

The General’s superior customer service makes it the clear winner in this comparison. It only provides a pay-in-full discount, but you can have peace of mind knowing the support is there when you need it. Compare your car insurance options to find the best insurance company for you.

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