Safe Auto Insurance: Good Or Bad?

SafeAuto Insurance is a Columbus, Ohio-based insurance company that offers auto, renters, and health coverage for high-risk clients. It serves 28 states and provides payment plans and a mobile app for policy management. The company has an A+ rating from the Better Business Bureau (BBB) but has received poor reviews from customers, with a 1.9/5 average rating. SafeAuto's insurance is relatively affordable, especially for high-risk drivers, but the company has a reputation for poor customer service and limited add-on coverages. Overall, it is considered a below-average insurance company due to its high pricing and high number of customer complaints.

SafeAuto's customer service

SafeAuto has received mixed reviews for its customer service. While some customers have praised the company for its excellent service, others have expressed disappointment and frustration.

On the positive side, SafeAuto offers 24/7 claims assistance and provides an online account and mobile app for customers to manage payments, view policy documents, and access their proof of insurance. The company also launched the Same Day Pay program to expedite the claims payout process.

However, SafeAuto has received a high number of customer complaints, with an NAIC rating of 7.61, indicating nine times as many complaints as the average competitor, adjusted for size. Many of these complaints centre on issues with claims handling, including delays and denials of claims. Some customers have also reported difficulties in reaching the claims department and long wait times.

There are also reports of billing issues, such as unexpected additional fees and challenges with making payments. In addition, customers have encountered problems with the SafeAuto mobile app, experiencing difficulties with basic functionalities like logging in and making payments.

Overall, while SafeAuto offers some convenient features for customers, the company's high volume of complaints and issues with claims handling and billing suggest that improvements could be made to enhance the customer service experience.

SafeAuto's coverage options

SafeAuto offers a range of coverage options for its customers. The company provides the minimum required car insurance to meet state requirements and also offers additional coverage options for those who want extra protection. Here are the key SafeAuto coverage options:

Minimum Liability Insurance

SafeAuto specializes in providing minimum liability insurance for drivers who may have trouble getting coverage elsewhere. This type of insurance covers bodily injury and property damage when the insured driver or vehicle is involved in an accident.

Comprehensive and Collision Coverage

SafeAuto offers comprehensive and collision coverage as optional extras. This type of coverage pays to repair or replace your car if it is stolen, damaged, or involved in a collision with another vehicle or object. This coverage is particularly relevant if you owe money on a car loan or lease, as your lender may require it.

Personal Injury Protection (PIP)

This coverage provides financial support for medical bills, lost wages, child care, and funeral expenses resulting from a car accident, regardless of who was at fault.

Uninsured/Underinsured Motorist Coverage

This coverage comes into effect when the at-fault driver in an accident cannot be identified or does not have sufficient insurance to cover the claim.

Roadside Assistance

SafeAuto offers a free roadside assistance program that includes towing, jump-starts, tire changes, fuel delivery, lockout services, and winching.

Rental Reimbursement

If your vehicle is out of commission, SafeAuto provides rental reimbursement to reduce the financial burden of renting a car.

SR-22 and FR-44 Filing Assistance

SafeAuto works with high-risk drivers and provides filing assistance for those who need an SR-22 or FR-44 form, which proves that the driver has the required insurance after a serious violation.

Non-Owner Insurance Policies

SafeAuto also offers non-owner insurance policies for drivers who don't own a vehicle but still need insurance coverage.

Other Coverage Options

In addition to the above, SafeAuto provides coverage for motorcycles, commercial vehicles, and emergency protection plans. They also offer standard coverage options such as medical payments and accidental death benefits.

SafeAuto's mobile app

SafeAuto has released its first mobile application to give policyholders easier access to their insurance information. The app is currently available for Android users, with an iOS version expected to be released in the future.

The SafeAuto mobile app allows users to:

• View billing information and make payments using various payment methods, including card (ATM/Debit/Credit) and electronic check.
• Access a digital copy of their ID card.
• Review and update policy details and coverage options.
• Start the claims process by contacting claims directly from the app.
• Chat with SafeAuto Customer Support 24/7.
• Save payment details for future use and enable one-tap payments from the home screen.
• Navigate the app securely with biometric sign-in or social sign-in options.

SafeAuto's pricing

SafeAuto specializes in providing non-standard auto insurance for high-risk drivers who have multiple moving violations, poor credit, or a DUI record. The company offers state-minimum coverage in 19 states across the US, including Ohio, Indiana, Kentucky, Georgia, Pennsylvania, South Carolina, Tennessee, Louisiana, Mississippi, Illinois, Missouri, Arizona, Oklahoma, Kansas, Virginia, Texas, California, Alabama, and Colorado.

SafeAuto's roadside assistance

SafeAuto Insurance Company is an Ohio-based insurance group that offers auto, renters, and health coverage for high-risk clients. It provides minimum-limit insurance, nonstandard coverage, and comprehensive options.

• Towing
• Jump-starts
• Tire changes
• Gas and fluid delivery
• Lockout services
• Winching
• Minor mechanical first aid

The roadside assistance plan is free and can be added to an existing car insurance policy with SafeAuto. However, it is only available to customers with at least one qualifying vehicle on their policy.

SafeAuto also offers towing and labor coverage as a separate option, which reimburses customers up to $40 per incident for towing or labor resulting from a mechanical breakdown.

While SafeAuto's roadside assistance program provides valuable services, the company has received mixed reviews overall. Some customers have complained about issues with billing, customer service, and claims handling. Therefore, it is essential to consider both the benefits and potential drawbacks before enrolling in SafeAuto's roadside assistance program.

Frequently asked questions