Safe Auto Insurance Reviews, Coverage Options, and Ratings in 2019

The Zebra
July 31, 2019

Safe Auto Insurance Reviews, Coverage Options, and Ratings for 2019


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3.0 Rating from The Zebra

Safe Auto is a car insurance company based in Ohio that offers insurance in 17 states. It is a non-standard insurer, specializing in serving drivers who may be considered high-risk or who might otherwise have a hard time finding coverage. Have a look at The Zebra's Safe Auto insurance review and summary of coverage options below.


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JD Power Rating — Not Rated

Financial strength — Good: SafeAuto has the assets and capital to cover their written premiums, meaning you can be assured that your claims will be covered.

NAIC Rating — More Complaints than Average: According to the National Association of Insurance Commissioners (NAIC), SafeAuto received substantially more complaints than the national average.

 

 

JD Power Rating — Not Rated

Financial strength — Good: SafeAuto has the assets and capital to cover their written premiums, meaning you can be assured that your claims will be covered.

NAIC Rating — More Complaints than Average: According to the National Association of Insurance Commissioners (NAIC), SafeAuto received substantially more complaints than the national average.

 

 

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SafeAuto car insurance coverage options

SafeAuto provides basic liability insurance as well as full collision and comprehensive coverage in certain states. The company is known for providing non-standard car insurance, meaning that it provides coverage for drivers who might be considered higher-risk.

 
SR-22 insurance

Because SafeAuto specializes in insuring high-risk drivers, that often includes those who are required to carry what’s called an SR-22. An SR-22 is essentially proof from your insurance that you are carrying the minimum legal requirements for insurance in your state. SafeAuto can help customers with this process.

Some of the reasons that you might be required to carry an SR-22 include the following:

 

Roadside assistance

If you find yourself dealing with a mechanical breakdown, this coverage can help by covering the cost of towing and certain other expenses or repairs.

 

SafeAuto insurance benefits

Below you’ll find some of the perks SafeAuto offers its customers.

 
24/7 claims assistance

SafeAuto allows you to get help with your claims issues at all times of the day.

 

Online account

SafeAuto offers an online account and mobile app that allow you to conveniently manage payments, view policy documents, and review your proof of insurance.

 

Same-day pay

In an effort to cut down on the time it takes to pay out claims, SafeAuto launched its Same Day Pay program. This process allows customers to have payments made directly to a prepaid card, bank-issued debit card, or the bank account of the claimant. It should be noted, however, that SafeAuto is a little vague with the name of this service, and that claimants must still wait for a claim to be resolved before any payment is made.  

 

SafeAuto auto insurance discounts

Because SafeAuto specializes in selling to high-risk drivers, discounts may not be as robust as some of those offered by other companies. However, the company does offer a few key discounts. Keep in mind: discounts vary by state.

  • New Business Transfer: You can get a discount if you switch to SafeAuto from another company. Simply provide the company with information about your former policy when you sign up.
  • Multiple Vehicle Discount: If you own more than one vehicle and insure them both through SafeAuto, you could receive a discount.
  • Homeowners Discount: By owning your home, you could be eligible for a discount from SafeAuto.
  • Good Student Discount: SafeAuto allows a discount for students who maintain a high GPA.

 

Additional lines of insurance

Though the word “auto” takes up half of the company name, SafeAuto does offer lines of insurance other than automotive. Below you’ll find some of the coverages that they provide:

  • Homeowners
  • Renters
  • Motorcycle
  • Business Insurance

 

Is SafeAuto insurance right for you?

SafeAuto is insurance without a lot of frills. Still, if you have a poor driving history or are otherwise considered high-risk, it can be a great option. However, it’s possible that you may still find cheaper rates and better customer service by looking elsewhere. The Zebra can show you quotes from dozens of insurance providers just by inserting your ZIP code below.

Compare SafeAuto with other top insurance companies!

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