The Claim

SafeAuto claims to supply easily-accessible coverage with low rates to all or any drivers in their 17-state coverage space. As its web site states: “We keep you legal for less!”

Is it true?

Mostly.

The low rates claim seems to be entirely true. SafeAuto gets high marks for affordability and for being “good value” in client reviews. this can be notably necessary for unsound drivers. If you’ve had multiple traffic violations or have even had your license suspended or revoked within the past, your insurance can naturally be costlier than a customary contract. SafeAuto should still insure you, even once different insurance suppliers might not be. It conjointly still keeps rates on the low aspect, compared to different insurers.
Where SafeAuto runs into a minor hiccup is with the claim of simple accessibility. It’s true that SafeAuto makes it simple to induce a quote and get a policy. you’ll get your quote in concerning 3 minutes on-line, and buy your policy at once. Your coverage data is shipped to you via email and a replica is armored . On the opposite hand, accessing your coverage data if you lose your original documents won’t be really easy. SafeAuto is pushing the SafeAuto app for patrons to access policy details, and app users square measure having some hassle with current glitches that stop them from accessing their data. a number of customers have complained that they’ve had hassle obtaining a replica of their policy details from SafeAuto once the app isn’t operating.

Product Overview

  • 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
Pros: 
  • Affordability
  • Coverage for high-risk drivers
  • Same Day Pay program 
Cons: 
  • No online claims service
  • Glitchy SafeAuto app

Coverage Types:

Liability

Liability insurance pays to repair associate degreey damages to a vehicle or medical expenses to passengers that you just area unit to blame for in an accident. State minimum needs might not cowl all liability damages. Hence, it’s best to debate what’s necessary for you along with your agent since Safe motorcar makes a speciality of minimum insurance coverage.

Collision

Collision insurance pays for damages to your automobile in associate at-fault accident. Safe car offers collision insurance, however you need to add it on your car policy.

Personal Injury

Safe car offers personal injury in bound “no-fault” states. Personal Injury Protection (PIP) covers medical or ceremony expenses, financial gain loss, associated prices incurred from house services because of an accident.

Roadside help

Safe car offers margin help as associate add-on for added coverage charges. Drivers World Health Organization enrol in margin help purchase towing and margin help services.

Rental automobile Coverage

Under Safe Auto’s Full Coverage set up, rental automobile coverage is additionally coated. Drivers are going to be able to rent a automobile and procure compensation for rental prices.

Uninsured automobilist

Uninsured automobilist property injury will shield you from payment on property injury prices if associate uninsurable driver causes any property injury. uninsurable automobilist Bodily Injury Coverage helps shield you from surprising medical expenses if associate uninsurable driver hits you. Safe car provides each beneath its Full Coverage insurance set up.

High Risk

Auto insurance corporations can label drivers as “high risk” if they appear a lot of doubtless to be concerned in accidents than others. Driving and claims records ar wont to verify the individual’s risk. Safe car provides reasonable choices for prime risk drivers.

SR-22

A SR-22 may be a certificate that’s issued by insurance corporations to associate insured driver to indicate proof of insurance. it’s usually needed for drivers World Health Organization ar deemed “high risk” because of driving while not car insurance within the past or having a negative driving or claims record. Safe car provides SR-22 for drivers World Health Organization want it.

State-Specific Coverage

Advertised discounts:

  • Safe Driver Discount
  • Safe Auto Discount
  • Multi-Car Discount
  • Senior Driver Improvement Course Discount
  • Homeowner Discount
  • New Business Transfer Discount (for new customers)

Affordability

Many customers report paying less with SafeAuto than they paid with alternative insurance firms for identical coverage. Some customers reported via PowerReviews that SafeAuto was expensive , however quite doubly as many purchasers aforesaid SafeAuto was sensible price. several of the negative reviews concerning the coverage being too expensive seem to be from drivers WHO have some marks on their driving record and ar paying higher-than-normal premiums as a result. If you’ve got serious infractions on your driving record, expect to pay quite you’d otherwise for insurance, however apprehend that you’re in all probability still paying less with SafeAuto than you’d with another insurer.

High-Risk Coverage

SafeAuto has specialised in coverage for risky drivers for over twenty five years. You thought of a risky driver if you were answerable for a automobile accident, have rushing tickets, are charged with reckless driving, are charged for driving beneath the influence or have poor credit. Not solely is SafeAuto willing to insure you, however it still will its best to create your coverage reasonable. SafeAuto understands state necessities for risky drivers. as an example, you would possibly want AN SR-22 filed together with your state to prove that you just meet the minimum insurance necessities. SafeAuto will method that certificate for you.

Same Day Pay

Before you get too excited, SafeAuto’s Same Day Pay doesn’t mean you’ll be able to be paid constant day you file a claim. however with Same Day Pay, you’ll be able to get paid constant day your claim is approved. Once SafeAuto reaches a settlement on your claim, it’ll verify you’re the applier by asking you to supply a sound ID, email address and telephone number. you’ll be able to then decide however you’d prefer to be paid: direct deposit to a checking or bank account, paid card or back to your charge account credit, and your payment can arrive that very same day. This differs from ancient claim compensation wherever you’ve got to attend per week or 2 to receive a sign up the mail.

Possible Drawbacks

The SafeAuto App is Glitchy
Customers love the thought of victimization AN app to manage their insurance and pay their bills, that is why SafeAuto developed the SafeAuto app. sadly, the app is affected by glitches. several users report login problems and issues with their data being out of stock. in step with one app reviewer, “It’s unhappy that I had to uninstall the app, however it continues to cause issues and crashes.” whereas having AN app is nice in theory, don’t reckon having the ability to use your SafeAuto app while not some glitches. It’s best to print a physical copy of your insurance card to stay existing just in case the app malfunctions after you want it.

No on-line Claims Service

Unlike the massive insurance firms that offer a web claims service, SafeAuto needs you to decision a fee variety throughout Its hours of operation to file a claim. Expect to attend on hold because of the quantity of calls received at any given time. Once your claim has been filed, a claim agent ought to contact you among 2 business days to induce the method started. the nice news is that the claims service phone lines ar open within the evenings and on Saturdays. you’ll be able to decision between eight a.m. and 9 p.m. (EST) weekday through Fri, yet as eight a.m. until 5 p.m. on Saturdays.

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