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Safety Car Insurance Review

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Introduction

You may have stumbled across Safety Auto Insurance Company when looking for cheap car insurance. Our team of experts went deep into this insurance company's facts to bring you a comprehensive reference to Safety auto Insurance reviews, coverage, discounts, and more. Although the company did not make our list of the best car insurance companies, it may be worth considering available in your area.

By clicking on one of the banners, you can begin comparing car insurance quotes with available car insurance companies in your state. Our expert car insurance experts are open seven days a week to provide you with free, customized estimates.

Understanding your needs is the first step in determining whether or not a company is right for you. Making a prioritized list of what you need and want from your insurance company is a great way to weed through your options. Way.com also allows you to search and compare accurate car insurance quotes from top insurers in your area quickly and for free.

Pros and Cons

Pros Cons
Several coverage options are available Only 20 states have it
Specialized coverage for high-risk drivers There is no online submission of claims
Variety of discounts  

Unique Safety Auto Insurance Features

Unique Features What does it do
Safety Shield Covers towing, seat belt coverage, emergency travel, and mechanical airbag failure. There's also a vanishing collision deductible.
Safety Shield Plus Provides additional benefits for a fee
Guaranteed Replacement Cost This option will replace your car even if the replacement cost is greater than the car's value.
Rental Vehicle Loss of Income Coverage This coverage will cover the cost of a rental car up to the policy's limits. You'll also be compensated for lost income as a result of a covered event, up to your coverage limits.
Pet Coverage This coverage will cover veterinary bills if your pet is injured in a car accident.
Accident Forgiveness This program ensures that a single accident does not affect your car insurance rates.

Safety Auto Insurance Coverages

Various coverage options from Safety Insurance can meet most drivers' needs. What distinguishes Safety Insurance is its options are organized, and customers can select one of two packages.

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Safety Auto Insurance Rates

The cost of safety car insurance is significantly lower than the national average. Drivers with a clean driving record pay on average $827 per year for full coverage, and this is less than half the national average for full coverage car insurance, which is $1686 per year. Your auto insurance quote from Safety may differ from these rates due to various factors such as your location, the type of car you drive, and the number of drivers on your policy.

Safety Car Insurance Rates By Coverage

Type of Drivers Average annual rates
Clean driving history $837
Speeding ticket $1362
At-fault accident $1692
DUI $2628

Safety Average Insurance Cost By State

State Average Annual Premium
Maine $1728
Massachusetts $1836
New Hampshire $1944

Annual Car Insurance Premium – Safety vs Competitors

Insurance Company Minimum coverage Full coverage
Safety Insurance $410 $1024
Arbella $1244 $3208
Allstate $684 $2112
Plymouth Rock $1325 $5020
Geico $551 $1404

Safety Auto Insurance Discounts

Like many other insurance companies, Safety auto offers a few discounts to help you save money on your premiums. We've included a couple of them here for your convenience. The availability of the discount, coverage, and rates will differ depending on the state. Get in touch with the relevant insurance agent to get the right details on discounts.

Safety auto Insurance offers the following discounts for their customers:

  • Value for multiple vehicles car insurances - If you insure numerous vehicles with Safety auto, you will receive a multi-vehicle discount.
  • New business discount: Available if you switch from another supplier to Safety auto and can present proof of insurance.
  • Homeowners insurance: If you own your house, you may be eligible for a discount.
  • Driver safety course: Discounts on driver improvement courses are available in some areas if you willingly finish a driver development course.
  • Paid-in-whole discount: In certain states, if you pay your premium in full, you will receive a discount.
  • Excellent student discounts: If you are looking for the best car insurance for students, Safety auto Insurance would be the right one for you. This discount is available in several states to kids with high grades.
  • Safe driver discount: Discounts may also be available if you drive a safe, dependable vehicle, purchase extended insurance, or have a clean driving record.

Safety Complaints And Customer Satisfaction

Safety receives fewer than the expected number of complaints for a company of its size. Customers are extremely satisfied with the ability of Safety Insurance to pay out the claims promptly.

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Way.com Summary

Safety Insurance is well-known for providing low-cost auto insurance. It only operates in three states, where it provides drivers with a car insurance policy at significant savings over large insurers. Because of the business's structure, where service is primarily managed through local agencies, there is some variation in service quality and ease of use. The website is functional, and making a claim is simple.

Overall, we believe that drivers classified as high-risk and denied coverage elsewhere will find the Safety auto insurance business a viable option for their auto plans. Insurance costs vary greatly based on your credit, driving record, and region, but its prices are generally quite competitive compared to other high-risk insurance suppliers.

Safety auto also has an A- (Excellent) grade from AM Best, indicating that the company is financially sound and capable of meeting its ongoing contractual responsibilities. One disadvantage is that you may only file a claim over the phone. Customers can manage their policies online and via the mobile app, but they cannot process claims online.

About Safety Car Insurance

Safety auto is a company specializing in property and casualty insurance. Safety auto also specializes in auto insurance for consumers who need the state's minimum coverage. The company was established in 1993 and is headquartered in Columbus, Ohio. Alabama, Arizona, California, Colorado, Georgia, Illinois, Indiana, Kansas, Kentucky, Louisiana, Maryland, Mississippi, Missouri, Ohio, Oklahoma, Pennsylvania, South Carolina, Tennessee, Texas, and Virginia are among Safety auto insurance policies available.

Safety Insurance does not have a centralized customer service center. Instead, you work with a local agent, and Safety Insurance offers an Agent Finder to help you find one. This means a high level of personal care for the majority of customers.

Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.

Quotes are typically based on a full coverage policy average unless otherwise noted within the content.

These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com

Frequently Asked Questions

What are safety insurance rental car coverage?

This coverage will cover the cost of a rental car up to the policy's limits. You'll also be compensated for lost income as a result of a covered event, up to your coverage limits.

How do I get a Safety Insurance policy?

Safety Auto Insurance makes it easy to get a free car insurance quote by sigining up online. You can use their website to get car insurance quotes or a car insurance policy for yourself.

Is Safety Insurance good?

Safety auto insurance has great rates and good coverage options. Safety auto also has an A- (Excellent) grade from AM Best, indicating that the company is financially sound and capable of meeting its ongoing contractual responsibilities.

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