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This auto insurer is a good fit for: Drivers looking for flexible, nonstandard policies. SafeAuto is ideal for high-risk drivers and drivers seeking minimum-limit coverage.
Monthly premium costs:
Providing the state-mandated minimum coverage is SafeAuto's bread and butter, as is providing high-risk car insurance to drivers other insurers may reject. For example, SafeAuto works with drivers who require SR-22 coverage.
SR-22 is not insurance, but a document provided by a driver’s insurance company proving that the driver carries liability car insurance. While laws vary by state, the drivers required to have an SR-22 typically fall into one of the following categories:
This car insurance company offers online and mobile services, making it easy for customers to make claims and changes to their policies.
SafeAuto works to provide payment plans that their customers can afford, and a payment method that works for them. Because the company offers a monthly payment plan, a customer can work "backwards." In other words, they can decide how much they can afford to pay monthly and then choose the level of coverage they can afford at this time. As their financial situation changes, they can upgrade to more comprehensive coverage.
In addition, SafeAuto allows customers to pay via check, credit card, debit card, money order, or cashier check. For added convenience, customers can also sign up for autopay.
While SafeAuto garners a respectable 3.6 stars out of 5 on their own website, they earn only 1.4 stars out of 5 at ConsumerAffairs.com. Many complaints concerned slow payments made following an accident.
SafeAuto is more likely than some companies to insure a driver with a low credit score. However, drivers with a high credit score are almost always money ahead by working with a different car insurance company.
Currently, SafeAuto is only available in 28 states, a fact that could prove problematic for customers who move to another state.
Drivers with a strong credit score: May be able to save money by working with Geico Auto Insurance, one of the most popular insurers in the business. Geico offers insurance to high-risk drivers as well as drivers seeking SR-22 coverage.
Drivers looking for excellent customer service: May prefer Allstate over SafeAuto. Allstate is known for its customer-centric business model, meaning they prioritize customer satisfaction. It's no coincidence that Allstate also has some of the highest customer satisfaction ratings in the auto insurance business.
|35y, female, clean record||35y, male, clean record||35y, female, one accident||18y, male, clean record|
For customers looking for cheap auto insurance, SafeAuto offers a wide range of discounts, including:
SafeAuto offers motorcycle coverage through the third-party provider, Dairyland.
It appears that J.D. Power has not yet rated SafeAuto's service. In their reviews of the auto insurance company, policyholders (and former policyholders) frequently leave complaints regarding rude customer service and slow payouts.
SafeAuto insurance is worth a look for drivers who have checked with other companies but are not happy with the car insurance coverage or rate quotes offered. For a high-risk driver with a history of tickets or accidents, SafeAuto provides a comparatively fair rate and payment plan. On the other hand, individuals with a good driving record will almost certainly snag a better rate with one of the other car insurance companies. The same is true for those with a high credit score.
Geico offers coverage for high-risk drivers as well as drivers seeking an SR-22 policy -- typically, at a lower rate. And for customers looking for an insurer with a strong customer satisfaction rating, Allstate is tough to beat.
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