Safe Auto Insurance reviews have the tendency to vary depending on where you look. Most customers have noted there are several concerns to consider with the company, though some reviews offer glowing commendations.
Overall, Safe Auto Insurance is a well-rounded auto insurance company with plenty of coverage options offered in a unique way.
About Safe Auto Insurance
When you look into Safe Auto Insurance, you’ll quickly learn that they offer more non-traditional insurance options designed to cover state minimums. If you’re the type of driver who is solely interested in having the bare minimum coverage needed to legally operate a motor vehicle, then they’re a great insurance provider to consider.
At this moment, they currently provide quotes to residents of 17 states. You’ll also find that they are highly sought after by people with less-than-perfect driving records. Compared to other insurance providers, Safe Auto Insurance has plenty of affordable options designed to meet the minimums for the state where you reside.
Safe Auto Insurance Coverage Options
With this auto insurance company, the different types of coverage that you’ll be able to choose from are very similar to what most other insurance providers offer, with a couple of added benefits.
The coverage options from Safe Auto Insurance include:
- Liability Protection
If there is property damage or bodily harm resulting from an accident where you are found at fault, your liability protection will help to cover costs.
- Collision and Comprehensive Damage
Any damage done to your car if you hit another vehicle or object will be covered by collision and comprehensive damage. This also helps to cover vehicle damage from flooding, theft, vandalism, hail, or even fire.
- Personal Injury Protection
Personal injury is highly recommended as it helps to cover funeral costs, hospitalization, or the cost of doctors resulting from an accident. It also works regardless of who is found at fault.
- Uninsured and Underinsured Motorists Coverage
It’s highly recommended that you invest in uninsured and underinsured coverage, though it’s a requirement in many states. This type of coverage pays for damages and injuries where the other driver is uninsured or underinsured. It also helps to cover lost wages and other medical expenses.
- SR-22 Insurance
If you are convicted of a traffic violation or charged with a DUI, Safe Auto Insurance will assist you with filing SR-22 forms for insurance.
- Roadside Assistance
Roadside assistance is another type of coverage you can opt for with this insurance provider. The best part is that it is automatically included with your policy free of cost.
Benefits of Safe Auto Insurance Policies
Although there is an overwhelming number of critical customer reviews against Safe Auto Insurance, they do have plenty of benefits for you to consider, including:
- Provider Switching Discounts
If you decide to switch from your current insurance provider to Safe Auto Insurance, you’ll be able to qualify for a 3% to 8% discount on your policy.
- Safe Driving Discounts
Just like many other insurance providers, you’ll be able to qualify for a safe driving discount if you maintain a clean driving record. The longer you avoid traffic violations and citations, the larger your discounts will be. However, these savings will vary depending on your personal policy.
Another discount you’ll receive for being a safe driver is if you were to sign up for driver improvement courses. You may qualify for discounted rates once you complete an approved course.
- Multi-Vehicle Discounts
If you have multiple vehicles in your home and need to get insurance for all of them, you’ll want to consider bundling with Safe Auto. This helps you to acquire even more discounts depending on various factors.
- High-Risk Support
If you’re considered a high-risk driver, there’s a good chance that you’ll be approved by this insurance company. This includes drivers with low credit scores, multiple accidents on their records, and DUI or DWI infractions.
- Multiple Payment Options
There are plenty of ways that you can choose to pay your premiums. If you opt to pay for the policy upfront, you will likely save the most. You can also get discounts on a six- or 12-month policy if you put a 33% downpayment at the time of signing. The company also accepts payments via Western Union and MoneyGram.
Cons of Safe Auto Insurance Policies
Customer complaints and other Safe Auto Insurance reviews will lean more towards the negative side of this insurance company. This is mostly because when compared to larger providers, their customer service is quite lacking.
The most notable disadvantages of Safe Auto Insurance include:
- No Bundling Discounts
Being unable to bundle your insurance is a big red flag for people who have multiple types of policies. You won’t get as seamless of an experience as if you were to sign with a larger insurance provider that offers life, home, health, and auto insurance.
- No Online Claims
In today’s day and age, most insurance companies allow you to process your claims online. Unfortunately, Safe Auto doesn’t provide any online claim processing; you will have to call an insurance agent to report a claim.
- Poor Customer Support
For a provider of its size, you can guarantee Safe Auto Insurance has a lot of negative reviews to consider. Customers frequently complain about the inability to work with their customer service team, and the lack of sympathy when processing a claim after an accident.
What’s more, you may notice that the claim processing times are quite slow when compared to plenty of other providers.
- Difficult to Work With
If you are in an accident with a driver who is insured by Safe Auto, receiving fair compensation is also a hassle, especially if you do not have an insurance company to negotiate for you. Even for things as simple as receiving a car rental can take up to 30 days to be approved.
Safe Auto Insurance Reviews: Final Thoughts
Safe Auto Insurance is one of the few choices available to drivers with a spotty record, and they’re not as difficult to work with as other high-risk driver insurance providers. They have plenty of discounts for you to take advantage of, especially if you transition to having a clean driving record. They also have a variety of add-ons that you should consider when building your policy.
If you’re looking to meet your state’s minimum requirements and still have affordable car insurance, this is one of the better options for those with spotty driving histories.