SafeAuto Insurance is a relatively new insurance company that was founded in 1993. The company specializes in providing high-risk drivers with affordable car insurance. SafeAuto offers a variety of coverage options, including liability, collision, comprehensive, uninsured/underinsured motorist, and rental car reimbursement.
In this SafeAuto Insurance review, we will discuss everything you need to know about this company.
SafeAuto Insurance Review: All You Need to Know About it
SafeAuto Insurance Group was established in Columbus, Ohio, in 1993. The company provides plans for drivers with less-than-stellar driving histories and inexpensive state minimum coverage. SafeAuto provides plans for renters’ motorbike, business, house, life, and vehicle insurance in various states, but not all of them.
They also:
#1. Provide High-Risk Auto Coverage
An auto insurance company may classify you as high-risk and require a high-risk vehicle insurance policy if you have a poor driving record, a limited driving history, or other variables that determine your risk level. Some states make it difficult to find high-risk auto insurance; SafeAuto stands out for having coverage that is simple to obtain.
#2. Give out SR-22 Paperwork
A certificate of financial responsibility, or SR-22, is a document you submit to your state to certify that you have the bare minimum liability insurance coverage required by state law.
If you have been cited for driving without a licence or have a history of unsafe driving, such as several moving infractions, DUIs, or DWIs, your state may require you to file an SR-22.
Who Needs to Purchase Safe Auto Insurance?
Because of its flexible policy terms, Safe Auto Insurance may be available to drivers who might otherwise find it difficult to obtain insurance coverage. Safe Auto Insurance works with high-risk drivers. If necessary, it will also file an SR-22 form on your behalf.
Many other types of drivers fall under the high-risk driver category, such as those who have never had vehicle insurance, have had coverage lapses, recently obtained their licence, or have been involved in at least one at-fault collision. It also covers drivers with a bad credit history, moving infractions (such as speeding or traffic tickets), DUI convictions, and specialty cars.
Pros and Cons of SafeAuto Insurance
Pros:
- It is helpful for people in need and specialises in insurance for high-risk drivers.
- If an SR-22 is required, Safe Auto will file it.
- Provides non-owner insurance.
Cons:
- When it comes to good drivers and those with a driving record that includes speeding or DUIs, Safe Auto offers higher auto insurance rates than many of its competitors.
- Has expensive auto insurance for older drivers, young drivers on their coverage, and parents adding a teen to their policy.
- There are few possibilities for coverage.
- The number of complaints is far higher than the industry average.
What Is the Cost of SafeAuto Auto Insurance?
No matter where you go, you’ll pay extra for auto insurance coverage if you are viewed as a high-risk driver. However, because SafeAuto Auto Insurance bundles its risk, it may provide lower rates for high-risk drivers than traditional insurers like Progressive, State Farm, and GEICO.
Better drivers would pay higher rates from SafeAuto than the national average. Unfortunately, for drivers with regular driving histories, it is no longer competitive.
How to Buy Safe Auto Auto Insurance
Customers are redirected to the Direct Auto website from the Safe Auto website. Since Safe Auto has changed its name to Direct Auto Car Insurance, you may get in touch with a licenced agent for a quote or to buy a policy by visiting the Direct Auto website or giving them a call at (800) 723-3288. To find a Direct Auto store near you, you can also utilize the “Find an Agent” option.
Get ready to supply personal details for an insurance quotation, such as your address, date of birth, driving history, marital status, and the year, make, and model of your car. After that, you’ll get a free quote. Before proceeding, you can determine whether the premium is within your budget by completing the free quote form.
You can add drivers and vehicles to your policy if the quote from Direct Auto is within your budget. You can now explore the available discounts, including those for multiple policies, paperless statements, DynamicDriving, and upfront payment.
Safe Auto Insurance Quotes in Comparison to Rivals
The best insurance prices are usually the most affordable for good drivers. However, Safe Auto’s average rates are significantly higher than the national average and the rates provided by several leading insurance providers.
#2. Secure cost Comparison of Auto Insurance for Drivers with Moving Infractions
Because rates for auto insurance vary significantly among providers, drivers seeking the best deals following a speeding ticket should compare quotes.
#3. Secure Cost Comparison of Auto Insurance for Drivers with Bad Credit
Auto insurance and bad credit don’t necessarily go along. Car insurance companies can utilise credit histories to determine premiums in all states except California, Hawaii, Massachusetts, and Michigan. According to insurers, a person’s credit score is correlated with their likelihood of filing an insurance claim in the future. Higher rates are the result of this association.
For drivers with lousy credit, Safe Vehicle offers reasonable average vehicle insurance prices, almost $400 less than the $3,779 national average.
#4. Safe Auto Compares the Prices of Auto Insurance for DUI Drivers
Safe Auto is an alternative for drivers with a DUI because it provides high-risk coverage and SR-22 filings. The cost of Safe Auto auto insurance is approximately $300 more than the national average, so drivers seeking affordable coverage following a DUI should compare rates with other providers.
#5. Secure cost Comparison of Auto Insurance for Adding a Teenage Driver
Your auto insurance premiums may rise significantly if you add a teen. According to our data, the national average cost for the companies we looked at is $2,419 annually.
The average annual cost of auto insurance for a 16-year-old teen driver with Safe Auto is $3,276.
#6. Cost Comparison of Safe Auto Insurance for Young Drivers (18 to 25 years old)
The cost of Safe Auto auto insurance is extremely high for drivers in the 18–25 age range. Its price is over $2,000 more than the $4,706 annual national average for the 14 significant insurers we looked at.
The rates listed here are for young drivers who purchase their auto insurance. Allowing a young driver to continue driving under a parent’s insurance for as long as possible usually results in cost savings.
Auto Insurance Complaints Against Safe Auto
According to complaints filed with state insurance departments nationwide, Safe Auto has a far greater volume of auto insurance complaints than many significant insurers. The complaints filed with Safe Auto exceed four times the industry average. Unsatisfactory settlements, delays, and claim denials are the most common complaints regarding auto insurance.
Types of SafeAuto’s Insurance Plan
When it comes to coverage, SafeAuto auto insurance offers something comparable to that of many large motor insurers. The primary distinction is that these schemes target high-risk individuals with past traffic violations. As a result, premium prices can also increase.
Plans for SafeAuto auto insurance include:
#1. Liability Insurance
Each state sets minimum coverage standards for liability insurance. If you are at fault, this assists in paying the other party’s expenditures for property damage and physical injuries. To protect themselves, however, many purchase higher liability limits following a more severe accident.
#2. Collision Insurance
This insurance protects your car’s property in case of an accident with another vehicle or object.
Full-coverage insurance. Your car can experience non-collision-related issues from time to time. Examples of common occurrences include hitting an animal, theft, weather damage, and vandalism repairs covered by comprehensive coverage.
#3. Coverage for Uninsured and Underinsured Drivers
This type of insurance helps protect drivers in a collision involving an uninsured or underinsured motorist. This coverage begins when the other driver’s available liability coverage ends and matches your liability limitations. That is to say, if an intoxicated motorist strikes your vehicle and carries the $25,000 state minimum liability coverage (varies by state), The intoxicated driver’s insurance will cover the first $25,000 of your losses if they total $50,000, with your insurance covering the remaining amount. If all you have is the state’s minimal coverage, you will not have any further coverage.
#4. Medical Payments
If you choose this kind of coverage, it will compensate for your injuries sustained in an automobile accident. It is not very big. Thus, consider emergency room trips and ambulance rides. The other driver’s insurance would cover more considerable expenses if you were not at fault.
SafeAuto Insurance Coverage
Safe Auto insurance offers comprehensive collision coverage, which covers the cost of replacing or repairing your vehicle if it is stolen or destroyed. E
In addition, Safe Auto provides typical coverage choices like towing, roadside assistance, and rental reimbursement.
SafeAuto offers a few riders or add-ons in addition to the more conventional coverage options mentioned above. The additional coverage options are restricted in comparison to other insurance carriers, though, and they include the following:
#1. Compensation for a Rented Car
If your insurance includes both collision and comprehensive coverage, you can add rental car reimbursement. It provides a rental car within the specified parameters while your car is being fixed following a claim. This coverage usually lasts for a maximum of thirty days. Additionally, not all states may have access to it.
#2. Roadside Support
If you have a SafeAuto auto insurance policy, consider getting roadside assistance coverage. In addition to delivering gas, this service assists with lockouts, winching, towing, dead batteries, and minor mechanical support. Not every state may have access to it.
#3. Both Labour Coverage and Towing
If your car breaks down and needs to be towed, this add-on reimburses you up to $40 for each incident. Not every state may have access to it.
SafeAuto does not provide gap insurance as a choice if you’re seeking coverage on a financed vehicle. It also does not provide what some other standard insurers call accident forgiveness because it is a non-standard insurer.
Is Safe Auto Insurance Legit?
With a 6.66 NAIC Complaint Index for its private passenger auto product, SafeAuto received many more complaints than one might anticipate, given its size. This could mean that policyholders aren’t happy with the insurer.
Is SafeAuto and Safeco the Same Company?
Due to Liberty Mutual Insurance Company’s 2008 acquisition of Safeco, Safeco is now only able to concentrate on personal insurance lines. Columbus, Ohio-based SafeAuto is a privately held property and liability auto insurance company.
What Company Owns Safe Auto Insurance?
In 19 states, SafeAuto is currently the market leader for direct-to-consumer minimum-limit insurance. On June 1, 2021, All-State bought SafeAuto through National General.
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