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SafeAuto Insurance focuses on providing low-cost auto insurance. It strives to keep premiums affordable, even for drivers who are considered high-risk because of traffic violations or previous accidents. In fact, high-risk drivers are SafeAuto’s specialty; it regularly insures drivers who’ve been denied coverage by other insurance companies.
You can get a quote online in under three minutes with SafeAuto’s quick and easy quote system, and you can purchase a policy instantly for immediate coverage.
SafeAuto offers coverage to residents of 17 states: Arizona, California, Georgia, Illinois, Indiana, Kansas, Kentucky, Louisiana, Mississippi, Missouri, Ohio, Oklahoma, Pennsylvania, South Carolina, Tennessee, Texas and Virginia.
Because SafeAuto is a comparatively small insurance company, it is not rated on many of the industry’s most popular rating services like A.M. Best, Moody’s and J.D.Power, but it does have an A+ rating from the Better Business Bureau.
SafeAuto claims to provide easily-accessible coverage with low rates to all drivers in their 17-state coverage area. As its website states: “We keep you legal for less!”
Is it true?
The low rates claim appears to be entirely true. SafeAuto gets high marks for affordability and for being “good value” in customer reviews. This is particularly important for high-risk drivers. If you’ve had multiple traffic violations or have even had your license suspended or revoked in the past, your insurance will naturally be more expensive than a standard insurance policy. SafeAuto may still insure you, even when other insurance providers may not be. It also still keeps rates on the low side, compared to other insurers.
Where SafeAuto runs into a minor hiccup is with the claim of easy accessibility. It’s true that SafeAuto makes it easy to get a quote and buy a policy. You can get your quote in about three minutes online, and purchase your policy right away. Your coverage information is sent to you via email and a copy is mailed. On the other hand, accessing your coverage information if you lose your original documents might not be so easy. SafeAuto is pushing the SafeAuto app for customers to access policy details, and app users are having some trouble with ongoing glitches that prevent them from accessing their information. A few customers have complained that they’ve had trouble getting a copy of their policy details from SafeAuto when the app isn’t working.
- In business since: 1993
- A.M. Best financial strength rating: Not rated
- Moody’s financial strength rating: Not rated
- S&P Global financial strength rating: Not rated
- J.D. Power 2018 U.S. Auto Claims Satisfaction Study score: Not rated
- Better Business Bureau Rating: A+
- States served: 17
- Coverage for high-risk drivers
- Same Day Pay program
- No online claims service
- Glitchy SafeAuto app
The States Where SafeAuto Premiums Are Cheapest and Most Expensive
Data Source: Coverage.com
Liability car insurance pays to repair any damages to a vehicle or medical expenses to passengers that you are responsible for in an accident. State minimum requirements may not cover all liability damages. Hence, it is best to discuss what is necessary for you with your agent since Safe Auto specializes in minimum liability insurance coverage.
Collision insurance pays for damages to your car in an at-fault accident. Safe Auto offers collision insurance, but you must add it on your auto insurance policy.
Safe Auto offers personal injury in certain “no-fault” states. Personal Injury Protection (PIP) covers medical or funeral expenses, income loss, and costs incurred from house services due to an accident.
Safe Auto offers Roadside Assistance as an add-on for additional coverage charges. Drivers who enroll in Roadside Assistance pay for towing and roadside assistance services.
Rental Car Coverage
Under Safe Auto’s Full Coverage plan, rental car coverage is also covered. Drivers will be able to rent a car and obtain reimbursement for rental costs.
Uninsured motorist property damage can protect you from spending on property damage costs if an uninsured driver causes any property damage. Uninsured Motorist Bodily Injury Coverage helps protect you from unexpected medical expenses if an uninsured driver hits you. Safe Auto provides both under its Full Coverage Car Insurance plan.
Auto insurance companies will label drivers as “high risk” if they seem more likely to be involved in accidents than others. Driving and claims records are used to determine the individual’s risk. Safe Auto provides affordable options for high risk drivers.
A SR-22 is a certificate that is issued by car insurance companies to an insured driver to show proof of insurance. It is often required for drivers who are deemed “high risk” due to driving without auto insurance in the past or having a negative driving or claims record. Safe Auto provides SR-22 for drivers who need it.
- Safe Driver Discount
- Safe Auto Discount
- Multi-Car Discount
- Senior Driver Improvement Course Discount
- Homeowner Discount
- New Business Transfer Discount (for new customers)
Many customers report paying less with SafeAuto than they paid with other insurance companies for identical coverage. Some customers reported via PowerReviews that SafeAuto was expensive, but more than twice as many customers said SafeAuto was good value. Many of the negative reviews relating to the coverage being too expensive appear to be from drivers who have a few marks on their driving record and are paying higher-than-normal premiums as a result. If you have serious infractions on your driving record, expect to pay more than you would otherwise for insurance, but know that you’re probably still paying less with SafeAuto than you would with another insurance company.
SafeAuto has specialized in coverage for high-risk drivers for over 25 years. You considered a high-risk driver if you were responsible for a car accident, have speeding tickets, have been charged with reckless driving, have been charged for driving under the influence or have poor credit. Not only is SafeAuto willing to insure you, but it still does its best to make your coverage affordable. SafeAuto understands state requirements for high-risk drivers. For example, you might need an SR-22 filed with your state to prove that you meet the minimum insurance requirements. SafeAuto can process that certificate for you.
Same Day Pay
Before you get too excited, SafeAuto’s Same Day Pay does not mean you can be paid the same day you file a claim. But with Same Day Pay, you can get paid the same day your claim is approved. Once SafeAuto reaches a settlement on your claim, it will verify you are the claimant by asking you to provide a valid ID, email address and phone number. You can then decide how you’d like to be paid: direct deposit to a checking or savings account, prepaid card or back to your debit card, and your payment will arrive that same day. This differs from traditional claim reimbursement where you have to wait a week or two to receive a check in the mail.
The SafeAuto App is Glitchy
Customers love the idea of using an app to manage their insurance policy and pay their bills, which is why SafeAuto developed the SafeAuto app. Unfortunately, the app is plagued by glitches. Many users report login issues and problems with their information being unavailable. According to one app reviewer, “It’s sad that I had to uninstall the app, but it continues to cause problems and crashes.” While having an app is great in theory, don’t count on being able to use your SafeAuto app without a few glitches. It’s best to print a physical copy of your insurance card to keep on hand in case the app malfunctions when you need it.
No Online Claims Service
Unlike the big insurance companies that provide an online claims service, SafeAuto requires you to call a toll-free number during Its hours of operation to file a claim. Expect to wait on hold due to the volume of calls received at any given time. Once your claim has been filed, a claims adjuster should contact you within two business days to get the process started. The good news is the claims service phone lines are open in the evenings and on Saturdays. You can call between 8 a.m. and 9 p.m. (EST) Monday through Friday, as well as 8 a.m. until 5 p.m. on Saturdays.
|AM Best Financial Strength Rating||J.D. Power 2019 Claims Satisfaction Study||24/7 Claims Support|
All information accurate as of 07/14/2020
SafeAuto Insurance FAQ
What do I need to get a quote from SafeAuto Insurance?
To get your quote online in under three minutes, you just need your basic information: name, contact, vehicle make, model, and year. You’ll be asked to answer a few questions about your employment status, credit score and previous car insurance, but you won’t have to provide documentation prior to purchasing your policy. If documentation of home ownership or maintained insurance policies needs to be reviewed, SafeAuto will request the documents once your purchase is complete.
How can I lower my high-risk auto insurance cost?
Generally speaking, there are three things you can do to lower your high-risk insurance cost. First, take a defensive driving course. Showing that you’re working to be a safer driver might get you a discount on your insurance. Then, work on your credit score. A higher credit score indicates that you are financially responsible and can earn you a discount. Lastly, you might simply need to wait for the violations on your record to expire.
What does the SafeAuto app do?
The SafeAuto app was created to allow SafeAuto customers to access their insurance cards digitally and to pay their bills on the go. Customers can log in with a username and password to check the status of their policy, view their coverage details, check their amount due and make a payment. Currently, there is no function for filing a claim through the app. The biggest complaint from SafeAuto app users is that the product is glitchy and often doesn’t allow you to access your information.
The Bottom Line
If you’re looking for a 24/7 online claims service and a glitch-free app where you can easily manage your auto insurance on-the-go, SafeAuto is not the right fit for you.
But if you are looking for no-frills insurance coverage at consistently low rates, SafeAuto is worth your consideration. And if you happen to have a rocky driving record, SafeAuto should be at the top of your list when comparing auto insurance companies. It has the experience and knowledge to provide you with the extra coverage you need, and it has figured out how to do that without charging a fortune.
SafeAuto may not specialize in seamless claims service or cutting-edge technology, but that’s why SafeAuto is able to offer lower rates than many of its competitors. If cost is an important factor in your auto insurance search, take a look at SafeAuto.