Finding affordable car insurance can be frustrating. Safe Auto aims to provide minimum liability coverage and cheap quotes, especially for high-risk drivers.
This guide will explain everything you need to know about getting a Safe Auto quote. You’ll learn about their rates, discount opportunities, and how their quotes compare to competitors.
We make it easy to determine if Safe Auto offers the right policy at the cheapest price for your situation. Read on for expert advice on maximizing savings from Safe Auto.
Overview of Safe Auto Insurance
Safe Auto Insurance Company focuses on minimum liability car insurance for high-risk drivers. They sell directly to consumers without agents.
Safe Auto provides:
- Liability coverage as low as minimum state requirements
- Ability to buy just what each state requires
- SR-22 filings for drivers needing proof of insurance
- Small monthly payment options
- Discounts for bundled policies and good driving
Safe Auto does not sell full coverage insurance. If you want collision, comprehensive, roadside assistance etc. they are not the best option.
But if you just need basic liability and the lowest possible rates, Safe Auto caters to higher-risk budgets.
What Do Safe Auto Quotes Include?
When you get a car insurance quote from Safe Auto, here’s what you’ll see:
- Bodily injury liability — covers injuries to others when you’re at fault. Minimum limits are typically:
- $25,000 per person
- $50,000 per accident
- Property damage liability — pays to repair other cars/property you damage. Minimum is typically $25,000.
- Uninsured motorist — covers your injuries if hit by an uninsured driver. Minimum varies by state.
- Underinsured motorist — similar to uninsured but covers insufficient coverage.
That covers the basic liability protection required in most states. You can also add:
- Medical payments — covers medical bills after an accident regardless of fault.
- Collision — pays to repair your vehicle after an accident.
- Comprehensive — covers damage from theft, weather, fire etc.
But Safe Auto’s focus is cheap liability-only policies. They aim to make compliance insurance accessible.
Average Cost of Safe Auto Insurance
How much does basic Safe Auto insurance cost? Here are some average annual rates:
StateAverage Annual RateCalifornia$612Florida$2,139Illinois$616New York$1,039Pennsylvania$979Texas$1,542
Rates range from around $50 to $180 monthly for minimum coverage. However, your personal quotes depend on:
- Driving record — tickets, accidents raise your costs
- Location — urban areas cost more than rural
- Credit — poor credit increases premiums
- Age and gender — young males have the highest Safe Auto rates
- Deductibles — lower deductibles mean higher prices
- Discounts — multi-car and combo discounts reduce your bill
Getting Safe Auto quotes along with other insurers ensures you don’t overpay.
How to Get a Safe Auto Insurance Quote
Here are some easy ways to get free Safe Auto quotes:
- Get an online quote — Enter your details at SafeAuto.com to see instant quotes. Adjust coverage to see pricing.
- Call Safe Auto — Speak to a representative at 800-SAFECAR (800–723–3227) to discuss options.
- Use an independent agent — Agents like Policygenius provide Safe Auto quotes plus competitors.
- Compare quotes online — Sites like NerdWallet, TheZebra, DMV.org compare top insurers.
Shopping rates from various sources ensures you get Safe Auto’s lowest price.
What Discounts Does Safe Auto Offer?
Safe Auto provides a few standard discounts to lower your car insurance costs:
- Multi-car — Add a second vehicle for 5%-15% off each
- Multi-policy — Bundle with renters or motorcycle insurance for 5% off
- Safe driving — Up to 10% off for accident-free drivers
- Paperless documents — Go paperless for emailed statements
They also offer:
- Pay in full — Pay 6 months upfront to save 5%
- Auto pay — Set up recurring payments from a bank account
Ask Safe Auto to apply every discount you qualify for to get the lowest quote possible. Even 10% off can make coverage more affordable.
Does Safe Auto Run Your Credit?
Yes, like most insurers Safe Auto does a soft credit check when providing car insurance quotes. They don’t do a hard inquiry that dings your credit score.
A soft check lets them evaluate your credit history to assess risk level. Good credit can help lower your rates. Issues like bankruptcies and collections may increase your Safe Auto quote.
Maintaining excellent credit is key to getting the lowest rate if you want Safe Auto insurance. Pay all bills on time and correct any errors on your credit reports.
How Do Safe Auto Quotes Compare?
Safe Auto caters to high-risk drivers who want cheap liability insurance. But they may not always offer the lowest rates.
Here’s how sample Safe Auto quotes compare to other insurers:
CompanySample Annual RateSafe Auto$1,248Geico$945Progressive$1,120The General$1,632
Drivers with accidents or violations may find Geico or Progressive cheaper than Safe Auto. Young teen drivers also sometimes get lower quotes from competitors.
That’s why it pays to get at least 3–4 quotes before choosing an insurer. Make sure to compare Safe Auto to top national and regional companies.
Tips to Lower Your Safe Auto Insurance Quote
Ready to buy a policy? Here are great ways to reduce your Safe Auto insurance costs:
- Raise deductibles — Increase collision and comprehensive deductibles to $500 or $1,000
- Drop optional coverages — Decline medical payments or roadside assistance if not required
- Ask about discounts — See if you qualify for multi-car, safe driver or paperless discounts
- Improve your credit — Maintaining excellent credit saves you the most
- Enroll in auto-pay — Set up recurring payments from your checking account
- Pay premiums annually — Pay your full 6-month or 12-month premium upfront
Review your options at renewal to find new ways to save each year.
Is Safe Auto the Right Insurer for You?
Is Safe Auto your best choice for insurance? Here are some factors to consider:
You Want Just Minimum Liability Coverage
If all you require legally is basic liability coverage, Safe Auto provides affordable options. No need to pay for extras you don’t want.
You Have Marks on Your Driving Record
Safe Auto specializes in high-risk drivers. Tickets, accidents or DUIs mean you may get lower Safe Auto quotes than competitors.
You Want Multiple Monthly Payment Options
Safe Auto lets you spread payments across 12 months when needed. This helps higher-risk drivers budget for insurance.
You Need an SR-22 Fast
An SR-22 provides proof of insurance to your DMV. Safe Auto efficiently files SR-22s electronically.
When Safe Auto Might Not be the Best Fit:
- You want full coverage like collision or roadside assistance
- You have excellent credit and driving history
- You qualify for discounts with other insurers
- You want to bundle home or life insurance too
Shop around and compare quotes to ensure you make the right choice. Safe Auto fills an important niche, but won’t be the cheapest for all drivers.
FAQs
How long does it take to get a Safe Auto quote?
You can get an instant online quote in under 2 minutes. Provide details to an agent in about 10–15 minutes. More time if you have lots of questions.
Can I get Safe Auto quotes without my Social Security Number?
No, you need to provide your SSN for an accurate quote to allow Safe Auto to run your driving history and credit check. This ensures you get the lowest rate.
How can I determine my state’s minimum requirements?
Your state DMV website lists minimum liability requirements. Or call Safe Auto and they will confirm the minimums for bodily injury, property damage, and uninsured motorist needed.
Does Safe Auto run MVR and credit checks?
Yes, Safe Auto will check your motor vehicle record for license points, violations, and accidents. They also run a soft credit check. Both impact your quotes.
How often do Safe Auto rates change?
Your rate can change at renewal every 6–12 months based on any new tickets, claims, or changes in credit. Rates also shift based on cost trends. Check around each renewal for the best deal.
Find Affordable Basic Car Insurance
We hope this guide has explained Safe Auto insurance quotes and how they work. The key steps to getting the lowest rate are:
- Get a quick Safe Auto quote online
- Shop quotes from at least 2–3 other insurers for comparison
- Ask Safe Auto to apply any discounts you qualify for
- Adjust coverages and deductibles to balance premiums and protection
Safe Auto makes cheap state minimum liability insurance accessible. But make sure to compare quotes from top competitors before choosing your provider.
With a small time investment, you can lock in affordable coverage that meets your state requirements and budget!
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