Features
Plans that flex with your life
At DireAuto, insurance should match how you drive — not the other way around. Our plan lineup is built to be straightforward, affordable, and adjustable: pick a base level and add the protections you actually use. Whether you drive every day, only on weekends, or for work, there’s a plan that fits.
Essential Liability
Smart, affordable protection to meet legal requirements.
Essential Liability delivers the core coverages required by most states. It’s lean by design — ideal for dependable drivers who want legal protection without extras they won’t use.
What’s included:
- Liability for bodily injury
- Property damage protection
- Flexible limits to suit your needs
- Optional roadside add-ons
Ideal for:
Drivers with older cars or low annual mileage seeking low-cost compliance.
Everyday Guard
Balanced coverage for routine life on the road.
Everyday Guard blends liability with collision and comprehensive protection so you’re covered when the unexpected happens — from collisions to theft and weather damage.
What’s included:
- Higher liability limits for broader protection
- Collision and comprehensive coverage
- Uninsured/underinsured motorist coverage
- Medical payments or PIP where available
Ideal for:
Owners of newer vehicles, family drivers, and commuters who want solid protection without premium sticker shock.
Premier Shield
Comprehensive coverage plus premium conveniences.
Premier Shield is our top-tier option, designed for high-value vehicles or drivers who want near-complete protection and perks that reduce hassle after a loss.
What’s included:
- All benefits from Everyday Guard
- Enhanced limits and lower deductibles
- Roadside assistance and rental reimbursement
- Gap coverage (for financed leases)
- Windshield and glass protection
Ideal for:
Drivers with leased, financed, or premium vehicles who prefer maximum convenience and protection.
Build-Your-Own Plan
Pick only the coverages you want — nothing more, nothing less.
Our modular plan builder lets you add select protections when they matter. Mix-and-match coverages to create a policy that matches your driving habits and budget.
Popular add-ons:
- Accident forgiveness
- New car replacement
- Ride-share driver coverage
- Custom equipment and specialty-vehicle endorsements
- Usage-based discounts (pay-for-what-you-drive)
Ideal for:
Anyone who wants a tailored policy — from occasional drivers to owners of specialty vehicles.
Need help picking the right plan?
Our agents will compare options with you, explain state requirements, and show side-by-side differences so you can choose coverage that matches risk and budget.
Choosing the right plan
Picking a plan is about matching risk to cost. We consider how much you drive, the age and value of your vehicle, who else drives it, and your tolerance for out-of-pocket expenses. By focusing on those facts, we recommend an option that protects what matters without unnecessary spend.
When you request a quote, we’ll show a clear breakdown of coverages, estimated premiums, and which discounts apply so you can make an informed decision.
