Safe Auto Insurance: Is It Worth The Cost?

Safe Auto Insurance is a Columbus, Ohio-based insurance group founded in 1993. Safe Auto offers policies in 28 states, though they only offer auto insurance in 20 states, including California, Pennsylvania, and Texas. The company specializes in selling minimum required car insurance to drivers who may have trouble getting coverage elsewhere. It is now a part of Direct Auto Insurance.

Safe Auto is now part of Direct Auto Insurance

Safe Auto Insurance is a leading provider of state minimum car insurance. The company specializes in selling minimum required car insurance to drivers who may have trouble getting coverage elsewhere, including drivers with multiple accidents or DUIs on their records. Safe Auto's policies are geared towards drivers considered high-risk due to issues like multiple moving violations, poor credit, or a DUI.

In addition to minimum liability insurance, Safe Auto also offers comprehensive and collision coverage, which is optional but may be required by a lender if you owe money on a car loan or lease. Other standard coverage options available from Safe Auto include rental reimbursement, roadside assistance, and towing.

Safe Auto also offers some additional coverage options, such as accidental death benefit and personal injury protection, which covers medical and funeral expenses, lost wages, and household services in the event of an accident, regardless of who was at fault.

Safe Auto is available in most states across the US, excluding Alaska, Hawaii, Montana, Vermont, and Wyoming.

As of 2021, Safe Auto has been acquired by Allstate through its subsidiary, National General, and is now a part of Direct Auto Insurance. Direct Auto has not yet provided a specific timeline for the transfer of Safe Auto policies to Direct Auto Insurance.

Safe Auto offers minimum required car insurance

Safe Auto is a leading provider of state minimum car insurance. The company specializes in selling minimum liability insurance to drivers who may have trouble getting coverage elsewhere. This includes drivers who are considered high-risk due to issues like multiple moving violations, poor credit, or a DUI. Safe Auto's minimum liability insurance helps cover the cost of damage to another driver, their passengers, or their property in the event of an accident.

In addition to minimum liability insurance, Safe Auto also offers comprehensive and collision coverage, which is optional but may be required by your lender if you have a car loan or lease. Comprehensive and collision coverage pays to repair or replace your car if it is stolen or damaged. Safe Auto also offers other standard coverage options, such as rental reimbursement, roadside assistance, and towing.

Personal injury protection, or no-fault insurance, is another coverage option offered by Safe Auto. This coverage pays for medical and funeral expenses, lost wages, and household services if you are injured in an accident, regardless of who was at fault. Safe Auto also offers SR-22 forms, which may be required by your state to prove you have insurance after a DUI or another serious violation.

Safe Auto's discounts vary by state, but some common discounts include insuring multiple vehicles, switching from another insurer, taking a driver improvement course, and paying your premium in full upfront. Safe Auto also offers discounts for bundling home and auto coverage, getting good grades as a student, and being over 55 years old.

Safe Auto is available in most states, excluding Alaska, Hawaii, Montana, Vermont, and Wyoming. The company has a poor customer service reputation and a high number of complaints relative to its size, according to the National Association of Insurance Commissioners.

Safe Auto has poor customer service

Safe Auto Insurance has received numerous complaints about its customer service. The company has a poor customer service reputation, with a Complaint Index score of 4.29 from the National Association of Insurance Commissioners (NAIC). This score is more than four times higher than the average number of complaints received by other insurers of a similar size.

The majority of complaints centre on issues with claims handling, with customers reporting significant delays and denials of claims. Many customers have also reported a poor mobile app experience, with basic functionalities like logging in and bill payment causing difficulties.

In addition to the above, customers have also reported issues with communication, citing instances of the business failing to respond to disputes and adjusters not returning calls or emails. There are also complaints of Safe Auto Insurance changing policy details without giving notice.

As a result of these issues, Safe Auto Insurance is not recommended by reviewers, who suggest opting for a more reliable insurer that offers better customer service and a wider range of coverage options.

Safe Auto is suited for high-risk drivers

Safe Auto provides coverage for high-risk drivers who need SR-22 coverage. While Safe Auto specializes in minimum liability insurance, it also offers comprehensive and collision coverage, which pays to repair or replace your car if it is stolen or damaged. This extra coverage is optional but may be required by your lender if you owe money on a car loan or lease.

Safe Auto also offers other standard coverage options, such as rental reimbursement, roadside assistance, and towing. Additionally, they provide personal injury protection, or no-fault insurance, which covers medical and funeral expenses, lost wages, and household services if you are injured in an accident, regardless of who was at fault.

Safe Auto's rates are competitive compared to other major national insurers, making it an affordable option for high-risk drivers. However, it is important to note that Safe Auto has received complaints about its customer service and has limited add-on coverage options. Safe Auto is also not available in all states, so it is essential to check if it is offered in your area.

Safe Auto offers SR-22 insurance

Safe Auto Insurance is now a part of Direct Auto Insurance, which is a subsidiary of Allstate. Safe Auto specializes in selling minimum-required car insurance to drivers who may have trouble getting coverage elsewhere. This includes drivers with multiple moving violations, poor credit, or a DUI.

If you need an SR-22, your insurance company can add an SR-22 endorsement to your existing policy and then file the SR-22 document with the relevant state department. The SR-22 form must be issued by a liability insurance company and filed by an insurance company licensed to issue motor vehicle liability insurance in that state.

Safe Auto's SR-22 insurance is available in all states except Alaska, Hawaii, Montana, Vermont, and Wyoming. The cost of SR-22 insurance varies by state and insurance company, but it typically costs around $25 to file. It's important to note that SR-22 insurance is usually more expensive than standard insurance because insurers consider SR-22 drivers to be high-risk.

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