One star for the affordable plans, but that's it. As long as you don't need their help everything is fine. I had an accident and even though I had full coverage they didn't repaired the car. It was very difficult to get in touch with the person responsible for my claim. It took more than a month to receive an answer about my case. According to them my car was damaged before the accident. The mechanic who was contracted by the insurance said that they always had problem with Nevada Direct Insurance because they never want it to pay. You get what you pay for.