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SafeAuto Car Insurance

Smart Score

79

Industry Average: 75

Smart Score

79
/100

Industry Average: 75

Customer Service

9
/10

Industry Average: 7.7

Claims Process

5
/10

Industry Average: 8

Value for Price

9.2
/10

Industry Average: 7

SafeAuto Overview

SafeAuto is a non-standard insurer that specializes in high-risk customers and in minimum liability insurance. If a court or a state government agency has required you to show a Certificate of Financial Responsibility (CFR) they will help you file an SR22, SR22A or FR44 form and to get you insured and back on the road. However, their motto “Only pay for what you need” can turn out to be “You get what you pay for” - great option if you don’t care much about blows and whistles and high end customer service. Its Same Day Pay program allows customers to receive direct payments the day a claim was resolved and you might get extra discounts for improving your drivers skills through driver improvement course

Lines of Business:

SafeAuto Ratings Breakdown

Smart Score

79

SafeAuto: 79
Industry Average: 75
SafeAuto: 79
Industry Average: 75

Why our Smart Score matters

SafeAuto’s Smart Score of 79 was created by combining weighted averages of ratings for customer service, claims process, and value for price from 3rd party sources as well as our own research. We view these as the most important factors since they cover the entire experience of shopping for, maintaining, and making a claim on an insurance policy.


How our Smart Score is calculated

Data comes from customer reviews, officially filed complaints, financial stability data, and other insurance industry rating companies. Combining these metrics and sources provides the most accurate and broad-based analysis of what matters most when considering SafeAuto’s overall quality compared to other auto insurers. While there is some overlap between our three primary metrics, each has unique characteristics that set them apart from each other.


What does this mean for you?

With a score of 79, SafeAuto sits near the industry average of 75. While this metric isn’t the be-all and end-all, it’s definitely a good point of reference when comparing auto insurance options.

Customer Service

9

SafeAuto: 9
Industry Average: 7.7
SafeAuto: 9
Industry Average: 7.7

Our customer service score measures two primary things: user satisfaction when interacting with SafeAuto’s representatives, and their experience with online tools like quoting and managing a policy via website or app. SafeAuto’s customer service score comes from a variety of places. These include user reviews on Honest Policy, as well as other analytics companies such as JD Power, Insure.com, and Consumer Reports.


What does this mean for you?

As you can see from SafeAuto’s service score of 9, they have a solid rating compared to similar auto insurance companies, which clock in at an average of 7.7.


With minimal sources reporting customer service data for this company, we can’t calculate the estimated range. Consequently, we’re not certain about the accuracy of this score, but it’s the closest estimate we have.

Claims Process

5

SafeAuto: 5
Industry Average: 8
SafeAuto: 5
Industry Average: 8

Our claims process score looks at users' experiences when filing claims with SafeAuto. It takes into account not only claim outcomes, but also the ease of making and tracking a claim, as well as how fast SafeAuto handles it.


SafeAuto’s claim score is derived from various sources. These include reviews from Honest Policy users, and outside sources including Consumer Reports, Insure.com and JD Power. We round off our calculation with official complaints filed with the National Association of Insurance Commissioners (which primarily are claim related). These complaints are weighted against the size of each company to ensure an apples-to-apples comparison. This gives our claim score the most complete picture of what to expect when filing a claim with SafeAuto.


What does this mean for you?

Evident from a claims score of 5, SafeAuto has a less stellar rating compared to the average claim score of 8 for similar auto insurance companies.


With minimal sources reporting claims quality data for this company, we can’t calculate an estimated range. Thus, we can’t be certain about the accuracy of this score, it’s just our best estimate.

Value for Price

9.2

SafeAuto: 9.2
Industry Average: 7
SafeAuto: 9.2
Industry Average: 7

SafeAuto’s value score measures customer satisfaction when considering how much they pay versus the quality of their experience when dealing with the company.


How SafeAuto comes up with the price of a policy varies by state, and relates to a number of different factors. Some of these include driving record, how much you use your car, location, age, gender, and the car you drive. While price is a critical factor for most insurance customers, what they get for that money is even more important. As with our other scores, this rating comes from a variety of sources: Honest Policy, JD Power, Insure.com, Clearsurance, and Consumer Reports.


What does this mean for you?

SafeAuto’s value for price score of 9.2 is excellent compared to the average of 7 from other auto insurance companies.

With few sources reporting price value data for this company, we don’t have an estimated range. As a result, we’re not 100% sure about this score. It’s more of an educated guess, so take it with a grain of salt.

SafeAuto Auto Official Complaints

Official Complaints

Worse than average

Tracks how many more or less official complaints SafeAuto has than average. With an index of 2.65 SafeAuto is worse than average.


The complaint index comes from two variables for each year and type of insurance.

  • The percentage of how many complaints SafeAuto has filed against them with the National Association of Insurance Commissioners (NAIC) compared to the total number of complaints filed with every company.

  • The percentage of how much insurance business (total policy premiums) SafeAuto has compared to the total amount of business of all the other companies.

By weighting complaints and business against their totals, and then dividing share of compliants by share of the market, we get the index value. With 1.0 being an average number of complaints, a 0.5 would be half as many complaints. With an index of 2.65 SafeAuto is worse than average.

Customer Reviews

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Out of 5

0 Reviews

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100%

of customers would reccomend this company to a friend

1 customer reviews

Cheyenne C

Auto Customer

They've been the best priced insurance I can find anywhere. When I first got my license at 18, I only payed 84 a month for state minimum, whereas progressive wanted 300 a month! Now, I need an SR-22, but I still only pay $150 a month for everything I need, and it's super easy to pay and file a claim.

Price Value: 5

Claim Satisfaction: 2

Customer Service: 4

Recommend: yes

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SafeAuto Coverage Options

When it comes to thier car, everyone has a different situation and differing needs for protection. While every auto insurer offers the same standard coverages. they tend to differ when it comes to what they offer or optional additional protections. Below we list and describe all the extras offered by SafeAuto

Available OptionsWhat it meansSee something wrong?
Roadside Assistance

Usually covers towing, battery service, flat tire service, fuel delivery, lockout service, and extrication.

Rental Reimbursement

Helps you pay for transportation expenses, such as a rental car or public transportation fare, while your own vehicle is being repaired after a covered insurance claim.

Comprehensive Claim Forgiveness

Protects your driving record from being affected by the insurance company's rating system for a comprehensive claim on your history, thus preventing your insurance premium from going up due to this type of accident.

SafeAuto availability in these states

SafeAuto Auto Discounts

While all companies offer a range of car insurance discounts, it's hard to judge any individual discount's value in a meaningful way. For one, the discounts are typically a percentage off the base price, instead of the whole policy.

What does this mean?

Your best bet is to directly discuss your particular situation with an agent to make sure you're getting all the discounts that you may be eligible for on your auto policy. For reference, we've listed all the discounts we believe SafeAuto has below in order to hlep determine which ones may fit your profile (though keep in mind that they can vary by state).

Available OptionsWhat it meansSee something wrong?
Good Driver

Typically relates to a driver's history (or lack thereof) of accidents and violations. Often has a 3 to 5 year lookback period.

Paid in Full

Because of the time value of money, it's better to recieve a lump sum now than the same amount in the future. Thus, savings can be offered to drivers who provide the full payment now versus those who pay over the course of the policy.

Defensive Driver

Most often only applies to older drivers who take a certified defensive driving course.

Compare

How does SafeAuto compare to other insurance companies? Click the following links below to compare SafeAuto to other top insurance companies.

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