Full Coverage Auto Insurance: What's Included With Safeauto?

Full coverage auto insurance is a combination of liability, medical, collision, and comprehensive coverages to protect you in most scenarios that could occur with your vehicle. While there is no universally accepted definition of full coverage car insurance, it generally includes protection against physical damage, such as collision coverage and comprehensive coverage, in addition to the required liability coverage. SafeAuto is an insurance company that offers full coverage auto insurance, including liability, collision, and comprehensive insurance, as well as some add-ons like accidental death benefit and roadside assistance. However, SafeAuto has limited coverage options and poor customer service, so it is recommended to consider other insurers if possible.

SafeAuto's full coverage insurance includes liability, collision and comprehensive insurance

SafeAuto is an insurance company that offers competitive rates to drivers who have incidents on their records and may struggle to find coverage elsewhere. However, SafeAuto has a poor reputation for customer service and a limited menu of coverage options. The company specialises in high-risk drivers who require SR-22 coverage.

SafeAuto's full coverage insurance includes liability, collision, and comprehensive insurance. Liability insurance offers financial protection if you are at fault for an accident. Collision coverage pays for damages to your car that result from colliding with another object, such as a vehicle, tree, or retaining wall. Comprehensive insurance covers vehicle damage resulting from incidents other than collisions, such as falling objects, hitting a deer, fire, or vandalism.

In addition to the above, SafeAuto's full coverage insurance also includes bodily injury liability coverage, personal injury protection, uninsured/underinsured motorist bodily injury coverage, and uninsured/underinsured property damage coverage.

While SafeAuto's rates are competitive, their poor customer service and limited coverage options have led to low customer satisfaction. The company's mobile app has also received negative reviews for its functionality. SafeAuto is only available in 20 US states.

It also offers roadside assistance, towing, rental reimbursement and labour

SafeAuto's full coverage auto insurance offers a range of benefits to its customers. One of the notable advantages is the inclusion of roadside assistance, which provides valuable support when you encounter vehicle-related issues on the road. This service typically covers towing, winching, and changing a flat tire. It also includes jump-starting a dead battery, lock-out services, and delivering fuel and other essential fluids to get your vehicle back on the road.

The towing aspect of SafeAuto's full coverage insurance ensures that your vehicle can be safely transported to a nearby repair shop or other location in case of a breakdown or accident. This can be particularly useful if you are stranded in an unsafe area or if your car needs to be moved to a secure location after a collision.

Additionally, SafeAuto's full coverage includes rental reimbursement. This benefit provides reimbursement for rental car expenses or ridesharing services if your vehicle is being repaired due to a covered accident. This feature ensures that you remain mobile and can continue with your daily activities while your car is being fixed.

The labour component of SafeAuto's full coverage insurance covers the cost of labour for repairs to your vehicle. This is an important aspect, as labour charges can often be significant, especially for complex or time-consuming repairs. By including labour in the full coverage insurance, SafeAuto helps alleviate the financial burden associated with vehicle maintenance and repairs.

In conclusion, SafeAuto's full coverage auto insurance provides a comprehensive suite of benefits, including roadside assistance, towing, rental reimbursement, and labour. These features offer peace of mind and financial protection to policyholders, ensuring that they are well-supported in various vehicle-related situations.

SafeAuto insurance is available in 20 states

SafeAuto Insurance is a specialist insurer for drivers who have incidents on their records and may struggle to find coverage elsewhere. This includes drivers with multiple accidents or DUIs. However, SafeAuto is only available in 20 states across the US.

The company has a poor customer service reputation and limited add-on coverages. Its rates are average when compared to major national insurers. Given these drawbacks, drivers are recommended to choose another insurer if they can find better rates.

SafeAuto's limited coverage area means that drivers outside of its 20-state coverage area will need to find an alternative insurer. The company does not disclose which 20 states it operates in, but it is likely that these are the states where SafeAuto sells car insurance.

SafeAuto specializes in high-risk drivers who require SR-22 coverage. If a state requires an insurer to file an SR-22, then SafeAuto can help. In addition to the minimum liability insurance required by each state, SafeAuto offers full coverage, including collision and comprehensive insurance.

However, SafeAuto has a limited list of add-ons compared to other insurers. For example, add-ons such as accidental death benefit, roadside assistance, towing and labor, and rental reimbursement coverage are available, but other insurers offer a much wider range of choices.

SafeAuto also has a poor customer service reputation, with a Complaint Index score of 4.29 from the National Association of Insurance Commissioners (NAIC). This is significantly higher than the average of 1.0. Common complaints include delays and denials of claims. The SafeAuto mobile app also has poor reviews, with users reporting difficulties with basic functionalities.

Overall, SafeAuto's limited availability in only 20 states, poor customer service, and restricted add-on coverages may deter potential customers. Drivers should carefully consider their options and choose an insurer that best suits their needs and location.

The company has poor customer service and limited add-on coverage options

SafeAuto has garnered a reputation for poor customer service and limited add-on coverage options. The company's customer service team has been described as unhelpful and incompetent, with some customers reporting that their questions were left unanswered. There are also complaints about SafeAuto's billing practices, with customers receiving confusing and early payment due dates, as well as unexpected rate increases.

In terms of add-on coverage options, SafeAuto offers very few choices. While they provide the standard coverages such as bodily injury liability, personal injury protection, and uninsured/underinsured motorist coverage, their list of add-ons is limited. For example, if you're looking for accident forgiveness or gap insurance, SafeAuto is not a good fit.

The company specializes in high-risk drivers who require SR-22 coverage, and their rates are competitive compared to other insurers in this niche market. However, for drivers with clean records, SafeAuto's rates are higher than average.

The lack of add-on coverage options and poor customer service are significant drawbacks for potential customers. The issues with billing and rate increases further contribute to the negative perception of SafeAuto's customer service.

While SafeAuto may be an option for high-risk drivers who struggle to find coverage elsewhere, the limitations and issues mentioned above may deter customers who are seeking more comprehensive and user-friendly insurance options.

SafeAuto is recommended for high-risk drivers who require SR-22 coverage

SafeAuto is ideal for high-risk drivers who require SR-22 certification. SR-22 is not a type of insurance but a certificate of financial responsibility that some states require drivers to have. It is a form filed by your insurance company with the state's Department of Motor Vehicles (DMV), proving that your auto insurance policy meets the minimum liability coverage mandated by the state. This is often required for drivers convicted of DUI, driving without insurance, or multiple traffic violations.

SafeAuto is a good option for drivers who need an SR-22 because it offers affordable rates and specializes in providing insurance for high-risk drivers. They can provide the necessary minimum coverage required by the state and file the SR-22 form on your behalf. This ensures that you comply with the law and maintain your driving privileges.

Additionally, SafeAuto can provide non-owner SR-22 insurance if you need an SR-22 but do not own a vehicle. This type of policy offers liability coverage when driving a borrowed or rented car. It fulfills the SR-22 requirement without being tied to a specific vehicle, allowing you to comply with state regulations even without car ownership.

For high-risk drivers with a history of driving infractions, SafeAuto provides a straightforward solution to obtain the necessary SR-22 certification. They can assist in ensuring you meet the minimum liability coverage requirements and maintain the required insurance coverage for the specified period mandated by the state.

Overall, SafeAuto is a recommended choice for high-risk drivers seeking SR-22 coverage due to its specialization, affordability, and ability to provide the necessary state-mandated insurance coverage and certification.

Frequently asked questions