I'm writing this review as a public service announcement to warn people about not only the deceptive and neglectful behavior of one of their agents by the name of LaToya McCrae, but also the predatorial nature of Direct Auto insurance in general. On 2/23 of this year I called 916-545-3751, which was a number listed for Progressive Insurance, since that is the company I wanted my auto insurance to be with. I told the person who answered (who introduced themselves as a progressive representative) that I would like to see about getting an auto insurance policy with Progressive. He then transferred me to this office, where I spoke with LaToya McCrae. I told LaToya that I would like to see about getting an auto insurance policy with Progressive. She then led me through the application process for what I thought was a Progressive auto policy. It wasn't until I had purchased the policy and received my proof of coverage letter that my policy was with Direct Auto Insurance. At first I thought this was just a sub-sect of Progressive, so I didn't think much of it. LaToya informed me over the phone that I would need to send in my proof of coverage from my previous insurer by 3/10 to prevent my premium from increasing. So, on 3/1 I sent LaToya an email to her specific email address that she sent me, and I attached the required documentation. After not hearing back for a day, I reached back out to her to get confirmation as to whether anything else was needed. I never got a response from LaToya. So on 3/9 I called this agency and spoke with Michelle who tried her best to help, but informed me that my proof of previous insurer information had not been sent to underwriting, which would cause my premium to increase if it wasn't received by 3/10. Later that night I looked online and saw that Direct Auto is not a sub-sect of Progressive and is in fact a sub-standard carrier for high-risk drivers. I still don't know why LaToya signed me up with Direct Auto, considering I mentioned Progressive several times in our conversation, and since she did not take the time to mention that this was not a Progressive policy. Furthermore, I am not a high risk driver who would've needed a sub-standard carrier. I have no tickets and no accidents and I've had continuous coverage. After all of this, I decided I would cancel my coverage with Direct Auto and go with Progressive. So on 3/10 I signed up with Progressive through their website and received coverage. Then, when I contacted this office to cancel my coverage, they told me I owed them $326 in addition to my initial $91.88 down payment on 2/24. Keep in mind that this is the amount that I somehow owe them for only 14 days of active coverage which is more than half of my entire 6 month premium. Also, the lady I spoke with told me that I had to pay the $326 amount in order to have my coverage cancelled. When I told her that I was not going to pay that, she magically cancelled my coverage (which means she was lying to me to try and coerce me to make the payment). Three hours after speaking with her I had to call the corporate office to finally receive a confirmation even though the lady at this office told me she would send it. So to sum all of this up, I was sold an insurance policy that I did not ask for and was not informed that it was different from the one I asked for. The agent who signed me up with the policy did not submit my documentation to underwriting, even though I sent her the information well before the deadline. I am now being charged an absurd amount for a policy that was only in effect for 14 days. I am in the process of contacting the North Carolina Commissioner of Insurance to see if there is some complaint I can file in regards to this deceptive and neglectful treatment as well as the predatorial nature of Direct Auto charging an absolute insane amount just to cancel a policy that was only in effect for 14 days. I see several good reviews for this agency. But I can only state the facts of my experience as a warning to be heeded. read more