We offer various types of car insurance products that help protect you, your passengers, and your vehicle in the event of a car accident or other covered incident. Some of these coverages are mandatory, while others are optional depending on where you live and include:

• Bodily injury liability coverage
• Property damage liability coverage
• Uninsured motorist coverage (UM)
• Comprehensive insurance
• Collision insurance
• Medical payments
• Personal injury protection (PIP)

Get your free quote online, over the phone, or at a convenient Johnson City store near you to see how much you could save.*

What would happen if you, and your income, were no longer around to help make ends meet? If you don't have an answer, consider term life insurance. Direct Auto offers affordable term life insurance in Tennessee to replace a loss of income, settle final medical and funeral expenses, pay for daily living expenses, like rent and groceries, or cover college tuition or related expenses.

For less than $1 a day†, you can count on the following term life benefits from Direct Auto:

• Up to $25,000 of coverage
• Flexible payment options
• No medical examination - just answer a few simple health questions
• No waiting - approval times are quick and often instant
• Term life policies for you, your spouse, and your adult children*
• Guaranteed renewal for two years at the same premium**
• No additional down payment when bought with an auto policy from Direct Auto
• An auto insurance discount when you by term life insurance and car insurance from Direct Auto*** If you're ready to see how Direct Auto can help you find peace of mind with a term life insurance policy, call or come in for a free quote or add term life insurance to your car insurance above.

You never know when you'll get a flat tire, your car battery will call it quits, or the kids will accidentally lock the keys inside the car.

With Direct Auto, you can keep driving when you experience an unexpected roadside emergency by getting a roadside assistance plan added to your car insurance policy with us.

What does Roadside Assistance cover?

Emergency road service plans can vary from company to company. With Direct Auto, you can expect all of the following services when you're a member of our Roadside Assistance program.

• 24-Hour Emergency Towing
• Gas & Essential Fluid Delivery
• Lockout Service
• Jump-Starts for Dead Batteries
• Mechanical Help
• Concierge Benefits Call or come by to get a roadside assistance plan added to your car insurance policy with us today!

After a car accident, there are plenty of expenses you expect, like paying for vehicle repairs. But what about the bills you never saw coming, like having to pay for childcare while you spend time recovering in the hospital?

To help pay for these unexpected costs, Direct Auto offers Emergency Protection Plans*. While plan details and availability vary from state to state, this membership provides:

• Hospital Stay Benefit: Cash paid directly to you for each day you're recovering in the hospital. Use this money to cover household bills, rent, childcare, or however you see fit.
• Accident Medical Expense Reimbursement: Get reimbursed up to $1,000 for out-of-pocket medical expenses for things not covered by your auto insurance or health insurance.
• Accidental Death & Dismemberment: Get up to $10,000 after a covered injury to ease your financial burden. In the event of death, this benefit will be paid to your loved ones to cover funeral costs and compensate for lost income.
• Ambulance Assistance: Get up to $100 reimbursed if your accident requires a trip in an ambulance.
• Mechanical First Aid: In the event of a breakdown, get reimbursed up to $25 for service calls or minor adjustments (tire and fluid delivery excluded, as well as parts) to your car that allow it to continue driving safely (battery jump-starts, drive belts fixed, etc.).
• Rental Reimbursement & Lost Personal Effects Coverage: You could receive funds to help pay rental car expenses after an accident with another vehicle. Also get up to $300 to replace personal items if they are damaged in or stolen from the rental vehicle.
• Trip planning services & travel discounts: In addition to help with after-accident expenses, emergency protection plans also offer these fun perks to enjoy throughout your membership period, not just when an accident occurs.

If you want to see how an Emergency Protection Plan might protect you, call or come in for a free emergency protection plan quote, or add it to your car insurance quote online.