US Agencies Direct Auto Insurance Review (2024)

Getting an auto insurance policy with U.S. Agencies insurance is only possible if you live in Alabama or Louisiana. Alabama residents will pay significantly less for auto insurance than Louisiana residents.

However, anyone who lives in Alabama or Louisiana can save money on auto insurance through discounts. Discounts will save you hundreds of dollars, making your coverage more affordable.

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

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.

US Agencies Direct Insurance Coverage Options

Minimum Auto Insurance Coverage Requirements in Alabama and Louisiana

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

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

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 these car insurance discounts on 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.