SafeAuto Insurance Company at a Glance
- Founded in 1993
- Coverage available in 28 states
- Offers a wide variety of coverages
- Specializes in car insurance
- Offers individual and commercial coverage
- Not rated by A.M. Best
- “A+” (excellent) rating by Better Business Bureau (BBB)
- Offers flexible coverage options
- Mobile app available
- 24/7 claims reporting
SafeAuto Pros: Nearly three decades of experience in the insurance industry. Offers several coverage options for individuals and businesses, including business insurance, car insurance, homeowners insurance, etc. Offers 24/7 claims reporting. Mobile app available. Offers flexible car insurance coverage options with affordable rates.
SafeAuto Cons: Not rated by A.M. Best. Coverage not available nationwide. High volume of customer complaints filed through the BBB. The vast majority of customer reviews are negative.
What Type of Insurance Does SafeAuto Offer?
SafeAuto specializes in auto insurance, but offers a range of coverages for individuals and businesses. Their coverages include:
- Car insurance
- Motorcycle insurance
- Renters insurance
- Homeowners insurance
- Health insurance
- Supplemental insurance
- Dental insurance
- Life insurance
- Accident insurance
- Business insurance
Your independent insurance agent can help you find out more information about the coverages offered by SafeAuto. If you’re in the market for any of their coverage offerings, SafeAuto may just be the right carrier for you.
What to Know about SafeAuto
SafeAuto was founded in 1993, giving the carrier just under three decades of experience in the insurance industry. Today the insurance company offers coverage in 28 states across the country. The carrier focuses on auto insurance, but also offers several forms of coverage for individuals and businesses, including homeowners insurance, life insurance, business insurance, and more.
SafeAuto was created with a mission to bring affordable car insurance to customers in need. The carrier offers temporary auto policies, low income policies, and other flexible options which they categorize as “cheap car insurance.” The insurance company’s LinkedIn profile states that they currently have between 501 and 1,000 employees, with 565 found on the social media platform.
SafeAuto has not been rated by A.M. Best, the leading global credit rating agency monitoring the insurance industry. While ratings through this organization are not a requirement for an insurance company, they do help to solidify a carrier’s credibility and financial strength ratings, and potentially influence prospective customers’ decisions about whether to trust the carrier with their coverage needs.
However, SafeAuto has received one of the highest ratings possible through the BBB, an “A+.” Ratings from the BBB are based on several criteria, including the business’s complaint history, the type of business, the length of time in business, transparent business practices, and any advertising issues. Prospective customers and partners are able to gain insight into an insurance company’s values by reviewing its rating from the BBB.
What Discounts Does SafeAuto Offer?
SafeAuto offers a handful of competitive discounts for its customers on their auto insurance. Their discounts include:
- New business transfer discount: Offered to auto insurance customers who switch their policy over to the carrier from another insurance company.
- Safe driver discount: Offered to auto insurance customers who have not been in an accident or had any traffic violations within a set number of years.
- Multi-vehicle discount: Offered to auto insurance customers who insure more than one vehicle through SafeAuto.
- Paid-in-full discount: Offered to auto insurance customers who pay their entire year’s premium up front, rather than in monthly increments.
- Homeowner discount: Offered to auto insurance customers who are also homeowners.
Your independent insurance agent can help you find even more information about discounts offered by SafeAuto and other ways to save money through the insurance company, helping you to find the coverage you need at the rate you deserve.
SafeAuto Customer Service
SafeAuto allows customers to report claims over the phone or online at any time. The carrier also provides the following customer service options:
- Online claims reporting
- Phone claims reporting
- Online bill pay
- Mobile app available
- Customer service hotline available 24/7.
The best way to ensure a smooth customer service experience is to work with an independent insurance agent. These agents can help handle claims and other concerns for you, so you can relax and enjoy your coverage.
What is SafeAuto's average claim response timeframe?
SafeAuto allows customers to file claims at any time through their website or mobile app or over the phone, but does not list a specific claims response timeframe promise on their official website.
What is SafeAuto's customer service availability?
SafeAuto allows customers to file claims at any time online, over the phone, or via the mobile app. Their hotlines for customer service inquiries and phone claims reporting are available for customers 24/7. Customers can pay their bills through the official website as well. The carrier also has a social media presence on Facebook, Twitter, and LinkedIn, which makes them even more accessible to customers.
What is SafeAuto's claims process?
SafeAuto allows its customers to file claims anytime through multiple media. Their website lists their claims process briefly, in simple broken-down steps as follows:
“First Notice of Loss
This is the first notification you've made to SafeAuto that you will be making a claim of any kind. Two drivers stage a car accident by trapping a victim between the two cars and forcing them to rear-end the front car.
A SafeAuto claims adjustor will investigate the claim usually by talking with the parties involved, reading police reports, and conferring with field adjustors and appraisers.
Depending on the results of the investigation - A claim can be resolved with multiple possible outcomes including Repair, Total Loss, Payment, and even Litigation if necessary.”
To check on the status of a claim, customers can log in to their online account, call the carrier, use the mobile app, or get in touch with their agent.
Does SafeAuto create a user-friendly experience for customers?
SafeAuto’s official website is fairly intuitive and easy to navigate, however, the carrier does not provide details about their claims response timeframe. The insurance company does allow its customers to file claims online and request quotes right through the website, and also has a mobile app available for smartphone users. The carrier also provides 24/7 claims reporting over the phone. Overall, SafeAuto does a good job providing its customers with a user-friendly experience.
Does SafeAuto have good car insurance?
SafeAuto is most well-known for their auto insurance. Coverage offered under their car insurance policies includes:
- Liability coverage
- Collision coverage
- Comprehensive coverage
- High risk coverage
- SR-22 coverage
SafeAuto stands out from other auto insurance carriers by providing cheap car insurance with flexible options such as month-to-month coverage. Your independent insurance agent can help you find out more about SafeAuto’s car insurance coverage.
Is SafeAuto a good insurance company?
The carrier has nearly three decades of experience in the insurance industry and a very high rating through the BBB. However, SafeAuto has had a high volume of customer complaints filed against them through the organization in recent years. Customer feedback also seems largely negative across multiple review sites. That being said, the insurance company does provide many modern customer service options and 24/7 claims reporting, as well as flexible coverage options for low income individuals. So, it may be up to individual interpretation whether SafeAuto can be considered a good insurance company.
SafeAuto Customer Reviews
|“I was forced to rate the one star, needs an option that allows no stars. I called to request a payment extension on my May bill until my next pay on 6/11 due to my job being impacted by COVID-19, and Nola told me there is no extension nor a grace period offered and my policy cancelled on 5/14, the day my bill was to be paid. HORRIBLE! HORRIBLE! HORRIBLE! Shame on SafeAuto, and if that's their version of customer service, no thanks????”|
|“Annoying. I pay 4-6 months at a time. Every 3-5 months, without fail, Safe Auto is blowing me up threatening cancellation. I know when I'm due. I know what I've paid. I have credit card bills to prove it."|
|“I don't have the issues with SafeAuto like I did my last insurance company shelter. I don't get runarounds, it's affordable for my insurance needs, and they are quick to taking care of what is asked from them by me when needed. Also friendly customer service. So far I've had nothing but positive experience. As of now I highly recommend. Hopefully that doesn't change. I've been with them a year now as of today.”|
|Better Business Bureau|
|“Got hit by one of their clients Saturday afternoon. Got his info and police report, they won't answer the phone. I've just been put on hold over and over. I'm going to have to go through my own insurance and let them deal with this awful company. SafeAuto, you suck!”|
|Better Business Bureau|
|“This is the worst car insurance company of all time.”|
TrustedChoice.com's Final Review
We award SafeAuto Insurance Group a final rating of 2 out of 5 stars. The insurance company has nearly 30 years of experience in the industry at this point, but unfortunately it doesn’t seem like they’ve used this time to their advantage. While the carrier is highly rated by the BBB, they’ve also had a high volume of customer complaints filed against them in recent years. SafeAuto does provide affordable auto insurance with flexible coverage options, along with several other types of insurance, but coverage is not available nationwide. The carrier provides 24/7 claims reporting and a mobile app, yet customers still report frustrations in trying to get ahold of SafeAuto. Furthermore, the vast majority of customer reviews across the web seem to be largely negative, which is downright disturbing.
Bottom line: If you’re located in an area where coverage is available and looking for affordable and/or flexible car insurance, SafeAuto may have a policy to suit your needs. But in terms of customer service, dependability, and claims response, SafeAuto comes up tragically short for the majority of insurance customers. So, if you’re looking for your next trusted carrier, we say work with your independent insurance agent to check out all your other options before settling on SafeAuto to meet your coverage needs.
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