Safe Auto Insurance

A Look at Safe Auto Insurance: Policy Details for a High-Risk Market

Safe Auto Insurance, a company known for specializing in the “non-standard” insurance market, has a history of providing coverage to drivers who may have struggled to find it elsewhere. This includes high-risk drivers, those with a less-than-perfect driving record, or individuals who require a specific certificate of financial responsibility, such as an SR-22.

While the company is no longer offering new policies, it’s helpful to understand the details of the coverage and features it provided to its policyholders.

Key Coverage Options

Safe Auto’s policy offerings were designed to meet a range of needs, from state-required minimums to more extensive protection. The standard types of car insurance coverage offered included:

• Liability Coverage: This is a fundamental part of any auto policy and typically includes two components:
  • Bodily Injury Liability: Covers costs for injuries or death to other people in an accident where you are at fault.
  • Property Damage Liability: Pays for damage to someone else’s property, such as their vehicle or a building, in an at-fault accident.
• Collision Coverage: This pays for damage to your own vehicle resulting from a collision with another car or object, regardless of who is at fault.
• Comprehensive Coverage: This protects your vehicle against non-collision incidents. This includes events like theft, vandalism, fire, or natural disasters.
• Uninsured/Underinsured Motorist Coverage: This coverage is designed to protect you if you are in an accident with a driver who either has no insurance or does not have enough insurance to cover your damages.
• SR-22 Insurance: Safe Auto was a notable provider of SR-22 certificates, which are often required by a court or state government to prove that a driver is carrying the legally mandated minimum liability coverage.

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Other Products and Features

Beyond standard auto insurance, Safe Auto also offered a variety of other insurance products, including homeowners, renters, and motorcycle insurance. They also provided different features and discounts to their customers, such as:

• Roadside Assistance: This offered support for common on-the-road emergencies like flat tires, jump starts, and towing.
• Discounts: Safe Auto offered a number of discounts that could help policyholders save money, including:
  • New Business Transfer Discount: For those who switched from another insurance company.
  • Safe Driver Discount: Rewarding customers with no recent accidents or violations.
  • Multi-Vehicle Discount: For those who insured more than one vehicle on their policy.
  • Paid-in-Full Discount: For customers who paid their entire premium upfront.
  • Homeowner Discount: For auto insurance customers who also owned a home.