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Looking for cheap insurance in 38401? See how Direct Auto & Life Insurance can help you find the affordable car insurance you've been looking for. At Direct, we provide a range of coverage levels, including the state minimum, and also offer flexible policy payment plans.† We understand that each customer has unique requirements, and we make it our mission to satisfy each one.

Many types of drivers choose Direct Auto for the insurance needs. Our great range of coverages and services offer both quality and affordability. If you're a first-time auto insurance buyer looking for a low-priced policy, or if you're a driver who is considered "high-risk" by other insurance companies due to an SR22 filing or a past lapse in insurance coverage, Direct will happily work with you to get your coverage started.

We specialize in working with Tennessee drivers who are dealing with unique circumstances like poor records, non-standard insurance needs, or a high-risk status. One of our many representatives can help you set up a policy with coverage that's right for you, set up a personalized plan for payments,† and take care of any issues you may have along the way.

If you need motorcycle insurance, car insurance, general auto insurance, or individual term life insurance, get to know Direct Auto & Life Insurance. We have the experience and quality service that will change the way you think about non-standard auto insurance. Call or visit your Direct Auto representative in 38401 today!

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The fine for being an uninsured driver in Tennessee is $300 (and it's a Class A Misdemeanor). Police officers could legally have your car towed immediately if you cannot produce proof of valid insurance. On January 1, 2017, the state of Tennessee put into place a state-of-the-art insurance verification system. The system has the ability to identify drivers who do not have valid insurance by reviewing digital vehicle registration records. If the system finds that a vehicle is uninsured, the vehicle will not be eligible for registration renewal.