SAFEAUTO FAQ You've got questions and SafeAuto has the answers!


Customer Service

How can I purchase a SafeAuto policy?

A policy can be purchased online at or you can give us a call 1-800-SAFEAUTO (1-800-723-3288) to speak with one of our licensed agents. We offer coverage for several products to meet your insurance needs.

How can I contact SafeAuto?
You can contact us by:

We are available at 1-800-SAFEAUTO (1-800-723-3288).

Customer Service:

If you have an existing SafeAuto policy, download our mobile app to chat with us today!

What discounts can I get?

Discounts vary and may not be available in all states. Call our agents at 1-800-SAFEAUTO (1-800-723-3288) to apply these discounts to your policy. Here are the most common discounts that are available*:

  • Multi-policy
  • Multi-car
  • Paid in full
  • Continuous proof of prior insurance
  • Homeowner
  • Over 55 discount
  • Good student
  • Defensive driver

*Proof may be required to receive discount

What personal information is used to calculate my quote/premium amount?

There are different factors that are used to calculate your insurance cost such as, but not limited to, date of birth, driving history, marital status, garaging address, the year, make and model of your vehicle, coverages you choose, credit score and insurance history.

How long does it take for me to get my policy information?

Proof of insurance is available immediately after the policy is purchased.


What coverages do I need?

The type of coverage you need is dependent on your specific situation and state. SafeAuto will ensure that you receive the minimum coverage limits as mandated by the state in which you reside, which will always include Bodily Injury Liability and Property Damage Liability. These coverages can protect you in a lawsuit arising from an accident in which you are being held responsible. Learn more about state minimum coverages.

What does “full coverage” mean?

Full Coverage at SafeAuto includes liability, comprehensive, collision and can include extra coverages for towing services, rental car reimbursement, and additional medical expenses. Learn more about coverages and what they mean.

What is a car insurance deductible?

A deductible is the amount you have to pay out-of-pocket before insurance pays for any expenses. For example, if you are in a car accident and have a $1,000 deductible, insurance may pay for any expenses, minus your deductible.

What is an SR-22?

An SR-22 is a document issued by your insurance company that validates you are carrying the minimum liability coverage required by your state. It is usually a court-ordered document. To learn more, visit our SR-22 page.

I have a recreational vehicle. Can I get a quote with SafeAuto?

SafeAuto partners with other carriers to help you find the protections you need for every type of vehicle, including boats, motorcycles and RVs/trailers. If you have questions about coverages for recreational vehicles, or are interested in getting a quote, speak with an agent today by clicking the button below.

Call 1-800-SAFEAUTO


How can I pay my bill?


  • Payment Options: Check | Credit Card | Debit Card


  • 1-800-SAFEAUTO
  • Automated System: Check | Credit Card | Debit Card
  • Live Customer Service Professional: Check | Credit Card | Debit Card


  • Payment Options: Check | Money Order | Cashier's Check | Credit Card | Debit Card

We Also Accept

  • MoneyGram
  • Western Union
  • Ace Cash Express

Please Note: We do not accept American Express, nor can we take your payment out of a savings account.

I mailed a check to pay my bill. When will you receive it?

Mailing times vary, however, once your payment is received it will be applied to your policy based on the postmark on the envelope.

  • Payments with a legible postmark on or before the due date are effective at 12:01 A.M. on the due date.
  • Payments with a legible postmark after the due date are effective at 12:01 A.M. on the date shown on the payment envelope.
  • Payments with an illegible postmark or no postmark are effective at 12:01 A.M five mail days before the received date.
Are any fees applied on a late payment?

If a payment is made past the cancellation date and time, a reinstatement fee can be added to your policy, and you may incur a lapse in coverage. The reinstatement fee is non-refundable and not part of the premium. This information can be found on page 2 of your auto insurance application and varies by state.

What happens if I pay after my cancel date?

You will have a lapse in coverage and will need to reinstate your policy or purchase a new one depending on when your policy cancelled.

What happens if I cancel my policy before my 6-month term is over?

If you request to cancel your policy before your 6-month term is over, you may be subject to a cancellation fee or short-rate penalty fee. Keep in mind we offer several competitive insurance options to meet your needs. Give us a call to hear more about these options at 1-800-SAFEAUTO (1-800-723-3288) and follow the prompts to speak with one of our representatives.

Can I change my bill due date?

Your payment date is based on the date your policy began and unfortunately cannot be adjusted on your current policy. However, we may be able to offer other options. Please call us at 1-800-SAFEAUTO (1-800-723-3288) and follow the prompts to speak with one of our representatives. We will be more than happy to discuss.

Why did my rate increase after I started my policy?

There could be a number of reasons why your policy increased after the policy was started, which can vary from discounts being removed due to not to receiving required proof by the deadline, missing signature documents causing a coverage upgrade and/or information received on consumer reports such as motor vehicle, claims history and related reports.

How do I stop receiving paper bills?

We have a paperless option for policy documents, but your bill will still be mailed.

Policy Information

Where can I find my Proof of Insurance/ID card?

In the SafeAuto app, there is a link to view your ID card. You can also request your Proof of Insurance be e-mailed to you right away by visiting the Manage Policy page or calling us at 1-800-SAFEAUTO (1-800-723-3288).

How do I cancel my policy?

As an agency we offer several competitive insurance options to meet your needs, please call us at 1-800-SAFEAUTO (1-800-723-3288) and we can further assist.     

How can I update my personal or policy information?

You can update your personal or policy information by logging into your online account or the mobile app and selecting Make changes.

Online Policy Management

How do I sign into my account?

You have the option of signing in with your email address, Google account, Apple account, or Facebook account. You will need your policy number to log into your account.

What can I do in my online account?

In your online Policy Management portal, you can pay your bill, review and update your policy details, review and upload policy documents, and sign up for automatic payments.

Mobile App

Where can I get the SafeAuto mobile app?

The SafeAuto app is available for download on Google Play for Android and App Store for iOS.

How can I sign in?

You have the option of signing in with your email address, Google account, Apple account or Facebook account. You can also sign in using fingerprint or facial recognition.

What can I do in the app?

With the SafeAuto app you’re able to pay your bill, review and update your policy details, view your ID cards, and chat with a customer service representative. You can also view your policy status, review policy documents and your payment history. RSA and Claim reference details are also available.


How do I file a claim?

There are several ways to file a claim. You can call 1-800-SAFEAUTO (1-800-723-3288) and follow the prompts to reach the Claims department, or your claim can be filed online by selecting Report a Claim from the Claims & Policy dropdown menu.

I can’t get in touch with my adjuster. What should I do?

If you are unable to contact your assigned adjuster by phone or email, you can also email or ask to speak to your adjuster's supervisor.

Who do I call for roadside assistance?

If you reside in AL, CO, GA, LA, MD, OH, SC, or TN. please call 1-800-308-8959 and select option 2. For all other states please, call 1-800-SAFEAUTO (1-800-723-3288).