Direct Locations Near You

Get Your Quote

Are you worried about being able to afford car insurance? Insurance is typically known for being expensive and complicated, not affordable and easy. At Direct Auto & Life Insurance, we're trying to change that. When you choose us as your insurance company, you can rest assured that we offer our Chattanooga customers fair prices, personalized payment schedules, and knowledgeable agents who help you understand the ins-and-outs of insurance policies.*

At Direct Auto, we don't believe that buying car insurance should be a struggle. Beyond the state required minimum, you can pick and choose the coverage you want, and the coverage you don't want. We offer car rental reimbursement, car towing coverage, property damage liability coverage, and more. We also make your car insurance more affordable by letting you choose the way you pay.* Once you're done selecting the coverage that best fits your needs, choose the date you'd like your payment to be due,* plan out how often you will pay, and determine the down payment amount.† The more you pay up front, the lower your monthly payments will be. Plus, we have plenty of discounts, so eligible customers can save even more.‡ From deals for homeowners to multi-product discounts, we work hard to take care of our customers in Chattanooga. Regardless of your insurance history, trust Direct Auto to provide you with the services you want, the coverage you need, and respect you deserve.

Car insurance may not be the lowest-priced thing in your budget, but with our different payment plans it could be one of the easiest things to pay for.* Ready to see how you could start saving? Call 1-877-GO-DIRECT! We can give you a free quote for cheap car insurance and help you set up a better way to pay for car insurance.

Get Your Quote

The fine for being an uninsured driver in Tennessee is $300 (and it's a Class A Misdemeanor). Cops can have your car towed immediately if you are not able to provide proof of insurance. On January 1, 2017, the state of TN put into place a new online insurance verification program. This digital program tracks down uninsured drivers by accessing vehicle registration records. Vehicles identified as having uninsured owners will not be eligible for registration renewal.