SafeAuto Car Insurance Review 2023

Our consultants reply readers’ insurance coverage questions and write unbiased product opinions (this is how we assess insurance coverage merchandise). In some instances, we obtain a fee from our companions; nevertheless, our opinions are our personal.

SafeAuto Auto Insurance coverage automotive insurance coverage is an insurance coverage supplier that provides non-standard protection geared towards high-risk drivers who could have hassle getting reasonably priced auto insurance coverage protection. In case you’ve been charged with a DUI or have a number of accidents or dashing tickets tarnishing your driving report, this specialty firm can present reasonably priced choices. In case you want SR-22 filings taken care of, SafeAuto gives that service and legal responsibility protection to fulfill state requirements.

You may navigate the SafeAuto web site in each English and Spanish. When you get protection, a cell app makes account entry simpler.

SafeAuto has been round since 1993 and, as lately as 2021, was acquired by Allstate’s subsidiary Nationwide Normal. Whereas SafeAuto is completely different in that it affords non-standard protection and fills a big protection hole, it is solely accessible to drivers in some states. To study extra, learn our SafeAuto automotive insurance coverage assessment about protection choices, affordability, and extra.

Sorts of Automotive Insurance coverage Plans from SafeAuto

By SafeAuto automotive insurance coverage, you may get related protection in comparison with many huge auto insurers. Nonetheless, the principle distinction is that these plans could goal high-risk drivers with blemishes on their driving data. On account of that, premiums could value extra as effectively.

SafeAuto automotive insurance coverage embrace:

• Legal responsibility insurance coverage: Every state has minimal protection necessities for legal responsibility insurance coverage. This helps cowl the opposite social gathering’s property injury and bodily harm prices when you’re at fault. Nonetheless, many purchase greater legal responsibility limits to guard themselves after a extra vital accident.

• Collision insurance coverage: You probably have an incident with one other automobile or object, collision insurance coverage covers property injury to your automotive.

• Complete insurance coverage: Typically, issues that are not collision-related occur to your automotive. Widespread examples embrace climate injury, theft, hitting an animal, and vandalism cowl repairs beneath complete protection.

• Uninsured and underinsured motorist protection: This protection can assist drivers keep protected in an accident involving an uninsured or underinsured driver. This protection matches your legal responsibility limits however kicks in as soon as the opposite driver’s accessible legal responsibility protection stops. In different phrases, if a drunk driver hits your automotive and has state minimal legal responsibility protection of $25,000 (will range throughout states). In case your damages complete $50,000, the drunk driver’s insurance coverage would handle the primary $25,000, and yours would fill within the hole. You’d don’t have any extra protection when you solely had state minimal protection.

• Medical funds: Choosing this protection kind can cowl medical bills when you’re injured in a automotive accident. It’s comparatively small. So assume ambulance rides and preliminary ER visits. If you weren’t at fault, the opposite driver’s insurance coverage would kick in for bigger payments.

Extra Protection Choices (Riders)

Except for the extra conventional protection choices listed above, SafeAuto has a few riders or add-ons accessible. Nonetheless, it needs to be famous that in comparison with different insurance coverage suppliers, the additional protection choices are restricted and embrace:

• Rental automotive reimbursement. You could be eligible so as to add rental automotive reimbursement when you’ve got collision and complete protection. It will get you a rental automotive inside your chosen limits whereas your automobile is being repaired after a declare. Sometimes, this protection can prolong as much as 30 days. It additionally is probably not accessible in all states.

• Roadside help. You could take into account roadside help protection when you’ve got a automotive insurance coverage coverage with SafeAuto. This service delivers fuel and helps with flat tires, lock-out providers, winching, towing, useless batteries, and minor mechanical help. It is probably not accessible in all states.

• Towing and labor protection. This add-on gives as much as $40 reimbursement per incident in case your automobile is towed or mechanical labor is completed after a automotive breakdown. It is probably not accessible in all states.

In case you’re searching for hole insurance coverage protection on a financed automotive, SafeAuto does not embrace this as an choice. As a non-standard insurer, it additionally does not provide what another normal insurers name accident forgiveness.

How A lot Does SafeAuto Automotive Insurance coverage Value?

In case you’re thought of a high-risk driver, you may doubtless pay extra for automotive insurance coverage protection regardless of the place you go. Nonetheless, in comparison with normal insurers like Progressive, State Farm, and GEICO, SafeAuto Auto Insurance coverage could provide decrease charges for high-risk drivers because it bundles its danger.

SafeAuto charges can be above the nationwide common for drivers with higher driving data. However sadly, this makes it non-competitive for drivers with normal driving data.

Tips on how to File A Declare

You probably have a number of choices, you have to file a declare with SafeAuto. You may:

• Log into your on-line account and report a declare
• Name 1-800-SAFEAUTO (1-800-723-3288) to get in contact with the claims division
• Use its on-line chat perform to speak with an agent between 8 a.m. to eight p.m. ET or 24/7 with a digital assistant

When submitting a declare, you may want pertinent particulars, together with the place the incident occurred, the time, and the date. You will additionally want contact data, together with names, cellphone numbers, insurance coverage data, and drivers’ present addresses. All of this may be discovered on the police report.

SafeAuto Automotive Insurance coverage FAQs

Methodology: What Went into Our SafeAuto Automotive Insurance coverage Overview

Discovering many reasonably priced choices could also be difficult when you want specialised automotive insurance coverage catered to high-risk drivers. As a part of this SafeAuto automotive insurance coverage assessment, we checked out protection sorts provided, value of premiums, add-ons, and client opinions. SafeAuto has restricted choices for a selected target market.

It has good client opinions on Shopper Affairs with 4 out of 5 stars. Nonetheless, customers have left poor rankings on the Higher Enterprise Bureau (BBB) since SafeAuto was acquired. As well as, the protection is missing for specialised riders, however different rivals could also be unable to finish with its specialty charges.

Compares SafeAuto vs. GEICO

SafeAuto automotive insurance coverage is intentionally designed for drivers who could have a poor driving report. It stands out by way of its high-risk insurance coverage choices, significantly for drivers who require SR-22s. Nonetheless, the corporate affords fundamental protection with solely restricted riders.

GEICO Auto Insurance coverage has a extra prolonged historical past as a complete insurance coverage supplier. It might probably additionally present SR-22s, however charges could go up considerably. In contrast to SafeAuto, it has many riders, together with accident forgiveness, mechanical breakdown insurance coverage, and umbrella insurance coverage, to get you began. GEICO operates primarily on-line as a reduction retailer. Primarily based on quotes we have seen, GEICO is without doubt one of the normal suppliers almost certainly to compete with SafeAuto for some drivers.

Evaluate SafeAuto vs. Liberty Mutual

In case you’re searching for beneficiant driving historical past tips, SafeAuto is extremely enticing. If, then again, you need expanded protection choices, there could also be higher choices than Safeco. One other insurance coverage firm to contemplate is Liberty Mutual Auto Insurance coverage. SafeAuto and Liberty Mutual provide add-ons like roadside help and rental automotive reimbursement, however Liberty Mutual wins out with its for much longer checklist of riders and reductions.

Liberty Mutual gives hole protection, authentic elements substitute, and new automotive substitute insurance coverage. Excessive-risk drivers searching for the fundamentals could take a look at SafeAuto. However when you want extra, Liberty Mutual is an choice to contemplate.

Evaluate SafeAuto vs. USAA

SafeAuto automotive insurance coverage is offered to anybody, particularly high-risk drivers who could not qualify with different insurers. USAA Auto Insurance coverage additionally affords automotive insurance coverage solely to army members and their households. Nonetheless, when you meet the necessities, customers are pleased with USAA and its affordability. It affords aggressive charges different suppliers cannot match, even for high-risk army drivers. It additionally gives expanded or distinctive advantages. Nonetheless, it is solely accessible to this choose group.

SafeAuto has comparably decrease customer support rankings, partly due to USAA’s distinctive restrictions and choices. There’s at all times the query of whether or not USAA will open its product line to different teams, and that is unlikely. As such, one vital benefit is that Safeco could make substantial modifications and changes sooner or later. USAA is proscribed solely to particular modifications.