Auto Insurance And State Codes: Safe Auto's Guide

SafeAuto Insurance is a property and casualty car insurance carrier that specializes in providing affordable, state-minimum auto insurance and full comprehensive and collision policies. SafeAuto provides a Certificate of Financial Responsibility (CFR) in the form of an SR22, SR22A, or FR44 for customers who need to provide a CFR to a court or state government agency. The company offers a range of insurance products, including motorcycle, renters, homeowners, business, health, supplemental, dental, accident, life, and mechanical repair insurance. SafeAuto is available in 17 states, including Arizona, California, Georgia, and Illinois. The company has service call centers that are open 24/7, and customers can also access their insurance information through the SafeAuto Insurance Mobile App. SafeAuto's rates vary depending on the state, with Arizona being the cheapest at $184.76 per month and Texas being the most expensive at $321.30 per month.

SafeAuto's insurance products and services

SafeAuto Insurance Company is a privately held carrier and provider of state-minimum auto insurance for drivers in the non-standard insurance market. SafeAuto is licensed in 22 states, markets in 19, and is available in 11 or 20 states, depending on the source. The company was founded on the idea of serving high-risk drivers and drivers requiring an SR-22 that other companies were hesitant to insure.

SafeAuto offers competitive rates for drivers who have incidents on their records, such as multiple accidents or DUIs, and may struggle to find coverage elsewhere. The company provides state-minimum coverage, and customers can also purchase higher liability limits and add comprehensive and collision coverage. Endorsements like rental car reimbursement or roadside assistance coverage are available in some states.

SafeAuto also offers a range of insurance products through third-party providers, including:

• Boat/personal watercraft insurance
• Vehicle service plans
• Motorcycle insurance
• Home insurance (underwritten by Hippo Insurance)
• Life insurance (underwritten by Bestow)

SafeAuto has a poor customer service reputation, with a high number of complaints filed with the National Association of Insurance Commissioners (NAIC). The company also offers a mediocre mobile app experience, with customers reporting difficulties with basic functionalities.

SafeAuto's customer service reputation

SafeAuto Insurance Group has been providing affordable state minimum coverage since its founding in Columbus, Ohio, in 1993. The company offers policies in 28 states, with auto insurance available in 20 states, including California, Pennsylvania, and Texas.

While SafeAuto has an A+ rating from the Better Business Bureau (BBB), its customer service reputation is generally poor. The company has a high number of customer complaints, with a score of 4.29 from the National Association of Insurance Commissioners (NAIC), indicating more than four times as many complaints as would be expected for an insurer of its size.

SafeAuto's mobile app also receives mediocre reviews, with customers reporting difficulty with basic functionalities like logging in and bill pay. The app has a rating of 3.5 out of five from Android users and 1.7 out of five from Apple users.

Reviews of SafeAuto's customer service on Trustpilot are mixed. While some customers praise the company for its quick and easy insurance process, hassle-free experience, and courteous staff, others complain about unexpected payments, issues with policy upgrades, and poor claims handling.

Overall, SafeAuto's customer service reputation is a significant drawback, with many reviewers citing issues with the company's responsiveness, competence, and ability to handle claims in a timely and satisfactory manner.

SafeAuto's mobile app

SafeAuto is a property and casualty car insurance carrier that has been providing affordable, state-minimum auto insurance and full comprehensive and collision policies since 1993. The company also offers motorcycle, renters, homeowners, business, health, supplemental, dental, accident, life, mechanical repair insurance, and more.

The SafeAuto Insurance Mobile App allows customers to easily access their insurance information and pay premiums. The app is available for iOS and Android users. However, it has received negative reviews, with Android users giving it a rating of 3.5 out of 5, and Apple users giving it a rating of 1.7 out of 5. Users have reported issues with basic functionalities, such as logging into the app and bill payment.

Despite the convenience of the mobile app, SafeAuto is known for its poor customer service and limited coverage options. The company specializes in working with high-risk drivers who have incidents on their records and may struggle to find coverage elsewhere. While SafeAuto's rates are competitive, they do not make up for the negative customer experience.

SafeAuto is only available in 17 states: Arizona, California, Georgia, Illinois, Indiana, Kansas, Kentucky, Louisiana, Mississippi, Missouri, Ohio, Oklahoma, Pennsylvania, South Carolina, Tennessee, Texas, and Virginia. The company's headquarters are located in Columbus, Ohio.

SafeAuto's insurance rates

SafeAuto is an independent insurance carrier that provides car insurance coverage in 17 to 20 states. It specializes in providing affordable, state-minimum auto insurance and full comprehensive and collision policies.

SafeAuto's rates are average when compared to major national insurers like Allstate and Geico. However, its fair prices do not make up for its poor customer service and limited coverage options. The company has a poor customer service reputation, with a complaint index score of 4.29, over four times the average. Its mobile app also has poor reviews, with Android users giving it 3.5 out of 5 stars and Apple users giving it 1.7 out of 5 stars.

SafeAuto's average auto insurance policy is about $156 per month, and its liability-only coverage is about $936 for a six-month period. The company offers various discounts and coverage options to its customers. These include continuous prior insurance, good student, homeowner, multi-policy, multi-vehicle, new business transfer, and over-55 discounts.

SafeAuto also offers health insurance, motorcycle insurance, renters insurance, homeowners insurance, business insurance, and various other types of coverage through its partners.

SafeAuto's insurance discounts

SafeAuto Insurance offers a range of discounts to its customers, which can help offset the cost of insurance. The availability and applicability of these discounts vary depending on the state of residence. Here are some of the SafeAutos insurance discounts:

Driver Improvement Course Discount:

SafeAuto offers a discount for drivers aged 55 and older who complete a driver improvement course. This discount encourages experienced drivers to enhance their driving skills and knowledge, potentially reducing their risk on the road.

Policy Business Transfer Discount:

SafeAuto provides an incentive for drivers to switch from their current insurer. This discount is applicable when a driver transfers their policy from another insurance company to SafeAuto. It rewards customers for choosing SafeAuto as their preferred insurance provider.

Homeowner Discount:

Policyholders who own a home may be eligible for a discount on their SafeAuto insurance. This discount recognises that homeowners tend to be more financially stable and responsible, which may translate to safer driving habits and lower insurance claims.

Multi-Car Discount:

SafeAuto offers a discount to policyholders who insure more than one vehicle with them. This discount is a great way for families or individuals with multiple cars to save on their insurance premiums. By insuring all their vehicles with SafeAuto, customers can benefit from reduced rates.

Non-Owner Discount:

SafeAuto also provides a discount for those purchasing insurance without owning a car. This option caters to individuals who frequently rent or borrow cars and need insurance coverage. By offering this discount, SafeAuto ensures that these drivers can obtain affordable insurance even without car ownership.

While the list of discounts offered by SafeAuto is relatively short compared to other insurers, the company's competitive quotes may still allow drivers to obtain a favourable deal on their car insurance. It is important to note that the availability of these discounts may vary by state, and customers should review the specific discounts applicable in their state of residence.

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