What Does SafeAuto Full Coverage Auto Insurance Cover
SafeAuto offers some of the cheapest full coverage policies around, but are they right for you? Our guide can help you decide.
Written by Sarah Gray
Reviewed by Kathleen Flear
A full coverage insurance policy from SafeAuto will include liability insurance, collision coverage, and comprehensive coverage. Though SafeAuto’s policies are among the most competitively priced, there’s a lot to consider before you decide if they’re the right provider for you.
When it comes to shopping for
car insurance
, most of us aren’t looking for ways to spend more money. But even though a liability-only policy will probably save you money on your monthly rates, it can wind up costing you thousands if you’re at fault in a major accident or your vehicle is stolen or damaged by something other than an accident.And that’s where full coverage policies come into play. Providers like SafeAuto offer policies that include collision and comprehensive coverage to help pay for damages even when you’re at fault in an accident, and when the damage or loss is caused by something other than a crash. Let’s see what SafeAuto has to offer drivers in a full coverage auto policy, and whether that policy is right for you.
Compare insurance quotes from 50+ carriers with Jerry in under 45 seconds (Title in payload)
4.7/5 rating on the App Store | Trusted by 5+ million customers and 7 million cars4.7/5 app rating | Trusted by 5M+ driversWhat does SafeAuto full coverage insurance cover?
“Full coverage” means different things to different insurance companies. For most providers, when a customer asks for
full coverage car insurance
, it’s understood that they mean they need a policy that includes at least three types of insurance
:- Liability insuranceis required by law in almost every state and covers the other drivers’ damages if you’re at fault in an accident.Bodily injury liabilitypays for medical expenses the other drivers may accrue, andproperty damage liability coveragepays for vehicle repairs
- Collision insurancepays to repair damage caused to your car in a collision with another vehicle or with a stationary object.
- Comprehensive insurancepays for damage caused to your vehicle by just about anything other than a collision, such as weather, vandalism, or falling objects. It also pays to replace your vehicle if it’s stolen.
A full coverage policy from SafeAuto includes all three of these coverage types. Customers also have the option to add additional protections to their policy to ensure they, their cars, and their wallets are protected no matter what comes their way.
Does full coverage really cover everything?
No. That’s why “full coverage” isn’t really an insurance industry term. Customers, lenders, and even car salespeople use the term to describe what we see as “full” protection for our vehicles, but your insurance provider and agent know the truth—full coverage isn’t actually full coverage, and there are still additional coverages you should consider adding to your policy.
Other types of SafeAuto auto insurance coverage
Type of coverage | Description |
|---|---|
If you’re in an accident with a driver who isn’t insured, or who isn’t carrying adequate coverage to pay for your costs, uninsured motorist coverage will pay for your medical bills and lost wages. | |
Where collision and comprehensive coverage pick up the slack to pay for damages if you’re at fault in an accident, Medical payments (MedPay) is there to pay for your medical expenses (and those of your passengers) whether or not you’re at fault. MedPay can cover costs from doctor visits to nursing services, and even funeral expenses. | |
Similar to MedPay, PIP coverage helps pay for medical expenses stemming from a vehicle accident. This type of coverage is required by drivers in no-fault states . | |
SafeAuto’s offers affordable roadside assistance to customers that goes beyond just towing you to a shop. From lockout services to minor mechanical first aid and fluid/fuel delivery, adding this coverage to your SafeAuto policy can keep you on the move. | |
If your car is in the shop getting repairs for a covered comprehensive or collision claim, this add-on option will offset the cost of a rental to keep you driving while you wait. |
While many auto insurance providers also sell other types of insurance products, SafeAuto partners with other providers, such as Dairyland, Hippo, and MSI to offer customers
motorcycle insurance
, homeowners insurance
, and even renters insurance
.Are you overpaying for your car insurance?
Are you overpaying for your car insurance?
Compare quotes and find out in 45 seconds
4.717k Ratings5M+Drivers Joined
7M+Cars Garaged
Is full coverage car insurance from SafeAuto worth it?
For drivers looking for standard auto insurance coverage at competitive rates, a full coverage policy from Safe Auto is worth it. But even if you have a clean driving record and a perfect credit score, you can always benefit from comparing
car insurance quotes
. While it’s not required by law in any state, most lenders require
full coverage insurance on a financed car
. So, if you lease a car—or you still owe money on a car loan
—chances are, you’ll be looking for a policy with full coverage. But even drivers who own their vehicles outright can benefit from a full coverage insurance policy. It may seem expensive now, but that premium will seem a small price to pay if your vehicle is ever stolen or involved in an accident that renders it a total loss.Benefits of full coverage SafeAuto car insurance
With a full coverage auto insurance policy from SafeAuto, you can:
- Meet lending and leasing requirements
- Feel financially protected, even in dangerous weather or high-theft areas
- File a claim for repairs even if you’re at fault in an accident
For drivers of vehicles with a high market value, and those who live in areas of high theft and vandalism or where inclement weather is common, full coverage is almost always a good investment.
Drawbacks to full coverage SafeAuto car insurance
A full coverage policy from SafeAuto can have some drawbacks. For example:
- A full coverage policy will be more expensive than minimum liability coverage
- Your premiums will increase after a comprehensive or collision claim
- You only receive a payout on a claim after you’ve paid your deductible.
Luckily, if you’re concerned about the cost of full coverage, SafeAuto offers customers a variety of discounts to help make their policies more affordable. While you won’t be able to benefit from bundling policies, like home and auto, you can still take advantage of many other discounts, including:
- Policy business transfer—for drivers who switch to SafeAuto from another provider
- Homeowner—or policyholders who also own a home
- Multi-vehicle—for customers who insure more than one car
- Paid-in-full—for customer who pay their entire premium up front
- Anti-theft—for drivers of vehicles with an anti-theft device
MORE: How to get car insurance discounts
Does SafeAuto have the best full coverage auto insurance?
That depends. What makes one provider's policy “the best” for one driver may not apply to another driver. This is largely due to the criteria each provider uses to determine each driver’s rates.
All insurance providers have their own algorithm that they use to determine how risky a potential customer is. Essentially, these algorithms calculate the likelihood of a given customer winding up in an accident that will result in a claim on their insurance policy. That’s why if you have a
clean driving record
and good credit, you might feel that SafeAuto has the best full coverage policy around—or at least one of the cheapest. However, if you’ve got some dings on your record, you may not think they’re so great. If you’re looking for more than just competitive rates, though, SafeAuto may not be the provider for you. We’ll be blunt: SafeAuto’s customer satisfaction ratings are low. The National Association of Insurance Commissioners (NAIC) reports that SafeAuto receives more than four times the number of complaints as would be expected for a company of its size. Even worse, these complaints center almost completely around claims handling.
The best way to figure out if a full coverage policy from SafeAuto is right for you is to compare their offer with quotes from at least three to five other providers. In fact, this type of comparison shopping is what experts recommend no matter who you’re looking at for coverage.
The bottom line
SafeAuto has some of the most competitive insurance rates on the market for full coverage policies. What’s even better is that these rates are often extended even to drivers with a few incidents on their records. However, we’ve all heard the saying, “you get what you pay for.” While the added cost of a full coverage policy is almost always worth it, you may be better served by spending those extra dollars with a different insurance provider.
RECOMMENDED
Compare auto insurance policies
No spam or unwanted phone calls · No long forms
At what point is full coverage not worth it?
It depends, but if you’re driving an older car with high mileage and low market value, you might be paying more into your policy than it’s worth. If you’re paying more for your policy per year than it would cost to replace your vehicle, it’s time to
drop full coverage on your car
.What is the difference between full coverage and liability coverage?
Full coverage ensures that both you and the other driver have recourse for damages no matter who’s at fault in an accident. Liability only covers damages and medical expenses for the other driver if you’re at fault in an accident.
What is a deductible?
A deductible is a set amount you pay on a claim before your insurance kicks in. For example, if your collision policy has a $500 deductible, and your vehicle sustains $1,500 in damages in an accident that you cause, you’ll be responsible for paying $500, and your provider will kick in the additional $1,000.
