Is Safe Auto Insurance Legit?

Yes, Safe Auto Insurance is Legit.

Continue reading to uncover their services, the pros and cons, and their coverage options.

An image of Safe Auto Insurancre
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About Safe Auto Insurance

Safe Auto Insurance is part of the Direct Auto Insurance group, which is a legit auto insurance company

They provide several types of car insurance, like coverage for injuries, property damage, accidents, uninsured drivers, and personal injury. They also cover rental car costs, medical bills, and offer help on the road.

Moreover, Safe Auto helps drivers who have a higher chance of getting into accidents to get insurance that meets their needs without costing too much.

Additionally, they have discounts for older people, those who drive safely, military folks, and others.

You can find Safe Auto Insurance in 28 states across the U.S., including Alabama, Arkansas, Delaware, Florida, Georgia, Louisiana, Michigan, Mississippi, North Carolina, Ohio, Pennsylvania, South Carolina, Tennessee, Texas, Virginia, and Washington.

Advantages of Safe Auto Insurance

  • Assists drivers requiring an SR-22 filing
  • Provides non-owner insurance options
  • Allows policy purchase online, via phone, or with an agent

Disadvantages of Safe Auto Insurance

  • Limited availability across the country
  • Has a complaint index score above the average

Who Should Consider Safe Auto Insurance?

Safe Auto Insurance caters to high-risk drivers, offering flexible policy terms that may help those who have difficulty securing coverage elsewhere.

Additionally, they will file an SR-22 form for you if necessary.

High-risk drivers include a variety of individuals, such as those without prior auto insurance, those with lapses in coverage, new drivers, or individuals involved in at least one at-fault accident.

Moreover, this category includes drivers with poor credit, traffic or speeding violations, DUI convictions, and those with specialized vehicles.

Safe Auto Insurance Coverage Options

Safe Auto Insurance provides a comprehensive range of coverage options, including:

  • Liability: Covers bodily injury and property damage when the insured driver is at fault in an accident. Additionally, it pays for the other party’s medical expenses and property repairs.
  • Collision: Pays for the repair or replacement of the insured vehicle following a collision with another vehicle or object, including hit-and-run accidents.
  • Comprehensive: Covers damage to the insured vehicle from non-collision events such as theft, fire, or adverse weather conditions.
  • Uninsured/Underinsured Motorist: Protects against accidents where the at-fault driver is either unidentified or lacks sufficient insurance to cover the damages.
  • Personal Injury Protection (PIP): Provides additional coverage for medical expenses resulting from an accident, as well as potential coverage for lost wages, child care, and funeral costs.

Additional Coverage Options by Safe Auto Insurance

Safe Auto Insurance provides several optional add-ons to enhance your basic coverage, including:

  • MedPay: Medical payments (MedPay) cover medical, hospital, and funeral expenses for the insured driver, regardless of who is at fault. This includes incidents where the insured is a pedestrian or a passenger in another car.
  • Roadside Assistance: This plan offers 24/7 support for breakdowns and accidents. Moreover, policyholders can request towing to the nearest service station via a designated support line. This plan either connects drivers with a towing service directly or reimburses the expenses.
  • Rental Reimbursement: If your covered vehicle is out of service, rental reimbursement coverage helps cover the cost of a rental car. There are usually limits on the daily coverage amount and the maximum number of days for which the rental will be covered.

Is Safe Auto Insurance Legit?

Safe Auto Insurance is legit. It can be a good choice for drivers who find it hard to get insurance.

Furthermore, they offer standard auto policies and also cater to non-owners and drivers with DWI or DUI convictions.

Notably, this company provides useful resources for getting an SR-22 or FR44 in states where they’re required.

Additionally, Safe Auto Insurance might also be appealing to customers looking for discounts, offering savings for safe drivers, seniors, military members, and those with multiple vehicles or policies.

While they provide a mobile app for viewing ID cards and making payments, the app has low ratings on the App Store and Google Play due to functionality issues.

Customer Reviews

Customer reviews of Safe Auto Insurance are mixed.

They have a high complaint rate, with 14 times more complaints than the average insurance company according to the National Association of Insurance Commissioners (NAIC).

On Trustpilot, Safe Auto Insurance has an average rating of 3.3, with positive feedback on the easy sign-up process and helpful service, but negative comments about inaccurate quotes, premium increases, and payment problems.

Other Insurance Offered by Safe Auto

Besides car insurance, Safe Auto provides:

  • Motorcycle insurance
  • Commercial auto insurance
  • Individual term life insurance
  • Accident medical expense coverage
  • Supplemental Medicare insurance
  • Access to the federal health insurance marketplace

Auto Insurance Discounts

Safe Auto’s discounts differ by state. You might qualify for discounts if you:

  • Insure multiple vehicles.
  • Own your home.
  • Switch to Safe Auto from another insurer.
  • Complete a driver improvement course.
  • Pay your premium in full upfront.
  • Purchase multiple insurance products from Safe Auto, like auto and home insurance.
  • Are a student with good grades.
  • Are over 55 years old

How to Buy Car Insurance from Safe Auto

The Safe Auto website now redirects to Direct Auto’s site, as Safe Auto has merged with Direct Auto Insurance.

To get a quote or purchase a policy, visit Direct Auto’s website or call to speak with a licensed agent.

You can also use the “Find an Agent” tool to locate a Direct Auto office near you.

To obtain an insurance quote, be prepared to provide personal details, such as your date of birth, driving record, marital status, address, and the year, make, and model of your vehicle.

You’ll then receive a free quote, which allows you to see if the premium fits your budget before proceeding.

If the quote is within your budget, you can add other drivers and vehicles to your policy.

At this stage, you can also review available discounts, like those for paperless statements, DynamicDriving, multiple policies, or paying upfront.

Once you’ve customized your policy, you can complete the purchase by paying the first month’s premium or the full balance.

Afterwards, you can print your proof of insurance documents.

Conclusion

Safe Auto Insurance emerges as a legit car insurance option, particularly for high-risk drivers seeking coverage that other companies might not offer.

While they provide a comprehensive range of coverage options and discounts, potential customers should weigh the higher-than-average costs and mixed customer service reviews.

Operating in 28 states, Safe Auto Insurance is accessible to many.

However, it’s important for consumers to shop around, compare quotes, and read reviews to ensure they’re making the best choice for their auto insurance needs.

Ultimately, Safe Auto Insurance stands as a valid insurance provider, but it may not be the best fit for everyone.

Before deciding, consider your individual insurance requirements, driving history, and budget to find the most suitable and cost-effective policy.

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