Travelers vs. Direct Auto: Discounts, savings and comparison

Travelers vs. Direct Auto: Discounts, savings and comparison

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Travelers vs. Direct Auto

Trying to choose between Travelers and Direct Auto? This detailed comparison has the info you need to make your decision. But first, the basics on each provider.

Travelers has been around for more than 150 years and earns an A from the Better Business Bureau. And its five-step guide helps you find the exact coverage you need at the lowest rates you’re eligible for. Direct Auto is known for insuring drivers who might otherwise have a hard time getting coverage because of their poor driving history.

However, there are other things to consider when selecting a provider. Although Direct Auto insures high-risk drivers, it also has a reputation for poor customer service, earning an F from the BBB. But if you’re having a hard time finding a provider that will insure you, it could be an option.

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Travelers

Travelers

Direct Auto

Direct Auto

About the provider Travelers has over 30,000 employees operating in five different countries to assure customers that they will be taken care of. It has been a Fortune 500 company since 1995 and its goal is to provide insurance rates at competitive prices. 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 Travelers 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.
States served All 50 states 13
User satisfaction* A F
J.D. Power ratings** 3/5 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


Driver discounts

Travelers

Travelers

Direct Auto

Direct Auto

Good student 8% (enrolled in school, maintaining a B average or better). Additional 7% if the student is 100+ miles away from home. Up to 10% (unmarried, full-time student, B average or better)
Defensive driver
Good driver 10-23% (no accidents or violations for the past 3 or 5 years) Up to 10% (violation and accident-free for 36 months)
Pay in full discount Up to 7.5%
Multicar Up to 8% Up to 25%
Military Up to 25% (active service member)
Homeowner Up to 5% Up to 15%
Other discounts Continuous insurance discount – Up to 15% (no gaps in coverage)

EFT discount – 2-3% (pay through EFT or payroll deduction)

Good payer discount – Up to 15% (consistent payment on time)

Early quote discount – 3-10% (quote before your policy expires)

Driver training discount – Up to 8%

Senior citizen – Up to 5% (55+, completed a motor vehicle prevention course)

Prior coverage discount – Up to 25% (at another insurance company for 6 months, no more than 90 day lapse between coverage)

Renewal discount – Up to 20% (no policy lapse in prior 12 months, renew 7-10 days prior to expiration)

Welcome back discount – Up to 6%


Vehicle discounts

Travelers

Travelers

Direct Auto

Direct Auto

Anti-theft device N/A
Anti-lock brake N/A
Passive restraints N/A
Air bag N/A
Other discounts Hybrid/electric vehicle – Up to 10%

New car – Up to 10% (car less than 3 years old)

Bottom line

Travelers’ better reputation makes this provider the front-runner. But if you don’t qualify for coverage through Travelers because you’re a high-risk driver, Direct Auto could be an option for you.

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