What You Should Know About US Agencies Direct
U.S. Agencies Direct doesn’t list accident forgiveness or usage-based insurance on its website. Still, they have a few programs for their customers, such as roadside assistance, windshield repair, telemedicine, hospital indemnity, and accidental death and dismemberment (AD&D).
What about canceling your U.S. Agencies Direct auto insurance policy?
Need to cancel? Read on to find out what to expect.
Wondering how to cancel auto insurance from U.S. Agencies Direct? If you want to cancel your coverage policy, there could be a fee. Some cancellation fees range from $25 to $50.
It depends on U.S. Agencies Direct’s auto insurance policy agreement. Some auto insurance companies will ask for a short fee of 10% of the remaining balance on your coverage policy.
Do you get a refund if you cancel your auto insurance?
If you paid the total balance of your auto insurance policy when you first signed up, you may be entitled to a refund. However, if you cancel a 12-month auto insurance policy after five months, you will likely receive seven months’ worth of auto insurance rates. Refunds on auto insurance vary for each company, so be sure to ask about them before you cancel.
How do you cancel auto insurance?
You can cancel your U.S. Agencies Direct auto insurance simply by contacting your insurance provider and telling them you want to cancel your coverage. If you’re canceling for monetary reasons, they may help you see if you apply for any discounts.
Can I cancel my auto insurance at any time?
Yes. As a customer, you have a right to cancel. However, there are some drawbacks if you cancel immediately. To avoid any penalties or to possibly waive a cancellation fee, set a date in advance for cancellation.
Ideally, you’ll want to cancel your auto insurance 15 to 60 days after you announce you want to cancel. This will give you enough time to find an auto insurance policy with another company or give you time to change your mind.
How do I make a U.S. Agencies Direct auto insurance claim?
When you’re in an accident, immediately contact law enforcement to file a police report. After you do that, you’ll need to make a claim with your auto insurance company.
If you need to make a U.S. Agencies Direct auto insurance claim, contact them at 1-844-209-3458 or 1-800-420-3712. When you call, make sure that you provide them with the following information:
- Policyholder’s name
- Policy number
- Names, addresses, and phone numbers of the driver and passengers of the covered vehicle
- Names, addresses, and phone numbers of the driver and passengers of the other vehicle(s)
- Names, addresses, and phone numbers of any witnesses
- A detailed description of the accident.
Once you’ve made your claim, a U.S. Agencies Direct auto insurance agent will contact you on how to proceed and pay any claims at a later date.
What are U.S. Agencies Direct financial ratings?
U.S. Agencies Direct Financial Ratings
| Ratings Agency | U.S. Agencies Direct Ratings |
|---|---|
| A.M. Best | B- |
| Better Business Bureau | A+ |
Although the ratings across the web were limited to a few searches, we found U.S. Agencies’ A.M. Best rating was a B-. This means they have a fair ability to meet ongoing insurance obligations. According to A.M. Best, a company with a fair rating has financial strength vulnerable to adverse changes.
Under the Better Business Bureau (BBB), however, U.S. Agencies Direct has an A+ rating. U.S. Agencies Direct isn’t accredited by the Better Business Bureau and has 11 complaints against them on the BBB website.
Read More: Best Auto Insurance Companies
US Agencies Direct Insurance Coverage Options
Minimum Auto Insurance Coverage Requirements in Alabama and Louisiana
| States | Minimum Auto Insurance Coverage Requirements | Coverage Rules |
|---|---|---|
| Alabama | BI & PD Liab | 25/50/25 |
| Louisiana | BI & PD Liab | 15/30/25 |
Both states have similar minimum requirements but vary regarding the bodily injury. Regardless, you need liability auto insurance to drive in either state.
Liability is one of three basic coverage options for auto insurance. The three basic coverages you should be able to get from most companies are liability, collision, and comprehensive.
Auto insurance companies break down each basic coverage so you can choose between available options. The National Association of Insurance Commissioners (NAIC) produced a report that shows the average annual rates of
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US Agencies Direct Insurance Rates Breakdown
As mentioned before, U.S. Agencies Insurance only operates in Alabama and Louisiana. Let’s look at the average annual auto insurance rates in these two states.
What are Alabama and Louisiana’s average auto insurance rates?
Alabama and Louisiana Average Auto Insurance Rates
| States | Average Annual Rates | Average Monthly Rates |
|---|---|---|
| Alabama | $3,567 | $297 |
| Louisiana | $5,711 | $476 |
Louisiana’s average annual auto insurance rates rank as the third most expensive in the United States.
US Agencies Direct Discounts Available
If you are looking for affordable U.S. Agencies Direct car insurance rates, it’s important to check out the discounts they offer. U.S. Agencies Direct auto insurance mentions thesecar insurance discountson their website:
- Multi-Policy
- Multi-Car
- Good Driver
- Student
U.S. Agencies Direct doesn’t detail how much these discounts will save you, but we’ll discuss the general percentage you may see reduced from your auto insurance policy.
Frequently Asked Questions
Is U.S. Agencies a good insurance company?
Every customer experience varies. Online reviews can help you understand how U.S. Agencies do business. Ultimately, the answer to this question can only be determined by personal experience.
Is Direct auto insurance legit?
Yes. Direct Auto & Life Insurance is accredited by the BBB and has an A+ rating. Customers can use Direct auto insurance logins to manage their auto insurance policies. You get a Direct auto insurance quote on their website if you’re not a customer.
Does Direct Auto have renter’s insurance?
Yes. The company advertises renter’s insurance on its website. To find out if there’s a Direct auto insurance location near you, visit their website and scroll close to the bottom of the webpage until you see “Find a Store.” Enter your ZIP code, and locations near you should appear. If not, it means Direct auto insurance has no locations near you.
What types of coverage does US Agencies Direct Auto Insurance offer?
US Agencies Direct Auto Insurance offers a range of coverage options to suit different driver needs. These usually include liability coverage, comprehensive coverage, collision coverage, uninsured/underinsured motorist coverage, medical payments coverage, and personal injury protection (PIP). It’s recommended to review their policies or contact their customer service for specific details about the coverage options available.
How do I file a claim with US Agencies Direct Auto Insurance?
To file a claim with US Agencies Direct Auto Insurance, you should contact their claims department directly. They will guide you through the claims process and provide you with the necessary forms and information required. Be prepared to provide details about the incident, such as the date, time, location, and any relevant documentation or evidence.
Can I manage my US Agencies Direct Auto Insurance policy online?
Yes, US Agencies Direct Auto Insurance typically offers an online platform or customer portal where you can manage your policy. Through this portal, you can make payments, view policy details, access digital ID cards, initiate changes to your coverage, and sometimes even file claims. Visit their website or contact their customer service to inquire about their online policy management options.
What factors can affect the cost of my auto insurance with US Agencies Direct?
Several factors can influence the cost of your auto insurance policy with US Agencies Direct Auto Insurance. Common factors include your driving record, the type of vehicle you drive, your age and gender, your location, your credit history, and the coverage options you select. US Agencies Direct utilizes its own rating system, so it’s best to contact them directly or obtain a quote to get accurate pricing based on your specific circ*mstances.
Can I get a quote for auto insurance from US Agencies Direct?
Yes, you can request a quote for auto insurance from US Agencies Direct. To obtain a quote, you can visit their website or contact their customer service. They will require relevant information such as your personal details, driving history, vehicle information, and desired coverage limits to provide an accurate quote.
Does US Agencies Direct Auto Insurance offer discounts?
US Agencies Direct Auto Insurance may offer discounts to eligible customers. The specific discounts available may vary, but common types of discounts include safe driver discounts, multi-policy discounts , discounts for certain vehicle safety features, and more. To find out which discounts you may qualify for, it’s best to contact US Agencies Direct Auto Insurance directly or consult with their agents.
How can I contact US Agencies Direct Auto Insurance?
To contact US Agencies Direct Auto Insurance, you can visit their website and access their contact information. They typically provide a customer service phone number and email address. You can reach out to their customer service team for inquiries, policy-related questions, or assistance with claims.
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Written by:
Chris Abrams
Licensed Insurance Agent
Chris is the founder of Abrams Insurance Solutions and Marcan Insurance, which provide personal financial analysis and planning services for families and small businesses across the U.S. His companies represent nearly 100 of the top-rated insurance companies.Chris has been a licensed insurance agent since 2009 and has active insurance licenses in all 50 U.S. states and D.C. Chris works tireles...
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Written by Chris Abrams
Licensed Insurance Agent
Reviewed by:
Michael Leotta
Insurance Operations Specialist
Michael earned a degree in Business Management degree with an insurance focus, which led to a successful 25-year career in insurance claims operations and support. He possesses a high-level of business acumen across multiple areas of the insurance industry. Over the course of his career, he served in multiple roles supporting claims operations including: Claims Specialist, Claims Trainer, Claim Au...
Full Bio →
Reviewed by Michael Leotta
Insurance Operations Specialist
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