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Don't Overpay! Find the Best Rates in Your Area Instantly
Direct Cover Now allows you to compare the best auto and home insurance rates in your area for free. No more searching and filling out endless forms. With Direct Cover Now, simply answer a few simple questions and we'll find the best options for you. Get the best coverage at the best possible price.
The Insurance We Help You Compare
Direct Cover Now connects you with licensed agents for auto insurance, home insurance and auto & home bundles. Answer a few questions and compare your options for free.
Auto insurance
Auto insurance covers liability, collision, comprehensive, uninsured-motorist and roadside protection for the drivers and vehicles in your household.
Home insurance
Home insurance covers your dwelling, personal property, personal liability and loss of use, sized to what it would cost to rebuild your home today.
Auto & home bundle
Bundling auto and home insurance with a single carrier combines both policies on one account and commonly earns a multi-policy discount.
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Frequently asked questions
Straight answers about how Direct Cover Now works, what it costs and what happens to your information.
- Direct Cover Now is a free online quote-comparison service that connects US consumers with licensed insurance agents and carriers. It is not an insurance company and does not underwrite or issue policies. Visitors answer a short set of questions about what they are insuring, and Direct Cover Now matches them with licensed agents who provide quotes.
- Yes. Direct Cover Now is 100% free for consumers, with no fee to compare quotes and no obligation to buy a policy. Direct Cover Now is compensated by the insurance partners it refers customers to, not by the people requesting quotes.
- Direct Cover Now covers three options: auto insurance, home insurance, and an auto & home bundle. Each one is quoted through the same short online form, and a licensed agent follows up with specific numbers for your ZIP code.
- An auto and home bundle places both policies with the same carrier on a single account, which commonly earns a multi-policy discount and gives you one renewal date and one point of contact. Direct Cover Now offers the bundle as a dedicated option in its quote form alongside standalone auto and home insurance.
- Auto insurance covers liability, collision, comprehensive, uninsured-motorist and roadside protection for the drivers and vehicles in your household. Through Direct Cover Now you answer a few questions about your situation and a licensed agent compares auto coverage options available in your area.
- Home insurance covers your dwelling, personal property, personal liability and loss of use, sized to what it would cost to rebuild your home today. Direct Cover Now asks about property type, age, square footage and recent claims so a licensed agent can quote the right amount of coverage.
- Most people finish the Direct Cover Now quote form in about three to five minutes. The form asks a few questions about the vehicle or property being insured, then collects contact details so a licensed agent can follow up with specific numbers.
- To request a quote through Direct Cover Now you need your ZIP code, basic details about what you are insuring, your date of birth, your name and address, and an email address and phone number. Homeowners are also asked about property type, age, square footage and any claims in the past three years.
- No. Requesting a quote through Direct Cover Now carries no obligation. You can compare the options a licensed agent presents and keep your existing policy if none of them beat it.
- Licensed insurance agents and companies contact you about your quote request, by phone, email or text. Direct Cover Now shares the information you submit with those partners so they can prepare a quote, which is described in the Direct Cover Now Privacy Policy.
- No. Direct Cover Now does not provide quotes directly and does not act as an insurance agent, broker or insurer. Every quote comes from a third-party licensed insurance provider, and the final premium depends on that carrier's underwriting and verified information.
- Direct Cover Now works with a network of licensed insurance agents and carriers across the United States. Availability of specific carriers and coverage options varies by state and by ZIP code.