Frequently asked questions about car insurance coverage from SafeAuto
More Questions? Call 1-800-SAFEAUTO (1-800-723-3288) or e-mail our Customer Service Department at CSD@safeauto.com
How does SafeAuto make it easy for our customers to do business with us?
You can get your policy started right away by visiting us on the web at www.safeauto.com or by calling 1-800-SAFEAUTO to speak with a live Sales Representative. By using our Phone Pay Program, you can make your down-payment or pay your monthly insurance premium over the telephone with your checking account or with a credit/debit card. This saves you time, postage, and ensures that your payment is credited to your account at the time of your telephone call. This feature of our service program is highly utilized by our customers and is one of our most favored services. We also accept payments using MoneyGram®, Western Union®, ACE Cash Express®.
Once your policy has been started, we can send your Proof of Insurance right away via fax, e-mail or mail. Contact us for more information on payment options.
What payment plans do we offer that will help our customers better budget for their expenses?
We offer the flexibility of three (3) different payment options to make paying your insurance bill easier.
- Paid in Full: In some states we offer a paid in full discount
- Bi-Monthly Payment Plan: Pay 33% down, with the remaining two payments due every other month
- Monthly Payments: Pay a down payment and five (5) affordable monthly payments (our most popular payment method)
How long does it take us to deliver your new policy to you?
Our company standard for issuing a new policy is to mail the policy within three (3) working days after the effective date of your policy. If you need your Proof of Insurance sooner, you can request to have it faxed or e-mailed to you through the web, our automated phone service or by speaking directly with one of our Customer Service Representatives. We continually strive to ensure that our representatives are dedicated to getting your policy to you as rapidly as possible.
How do we determine effective dates of payments?
Payments that are made by using our website, calling SafeAuto, using the automated phone system or speaking to one of our Customer Service Representatives ensures your payment is posted to your policy right away.
Western Union®, MoneyGram®or ACE Cash Express® payments are effective at the date and time received.
If you mail in your payment, SafeAuto will honor the payment effective at 12:01 a.m. on the date following the postmark on the envelope. If there is no postmark, or the post-mark date is illegible, we will honor the date on which the payment was received effective 12:01 a.m.
If you have an arrangement with a bank to debit your account for payment toward a policy, your payment will be effective the day following the postmark on the envelope in which it is received at 12:01 a.m. - not on the day it was transferred from your account.
These are general rules and procedures that may not apply in every state. For more detailed information on payment effective dates and times for your state, please read your policy, or contact our Customer Service Department.
Are any fees applied on a late payment?
Yes - If a payment is made past the cancellation date and time, a reinstatement fee will be added to your policy and you will incur a lapse in coverage.
However, late payments are not accepted in all cases. For example, a late payment may not be accepted on a certified (SR-22) policy or a renewal in certain states. To ensure continuous coverage, please make your payments on time.
How do I get my "Proof of Insurance"?
You can request your Proof of Insurance to be faxed or e-mailed to you right away by visiting the Manage Policy page, or call us 24/7 at 1-800-SAFEAUTO (1-800-723-3288). We will also mail your Proof of Insurance after your policy has been issued.
What coverages do I need?
The type of coverage you need is dependent on your specific situation. SafeAuto will ensure that you receive the minimum coverage limits as mandated by the state in which you reside. These coverages will always include Bodily Injury Liability and Property Damage Liability that can protect you in a lawsuit arising from an accident in which you are being held responsible.
If you insure a newer model vehicle it is recommended that you include Comprehensive Insurance and Collision Insurance coverages on the policy. These coverages pay for the repair to your damaged vehicle (after a deductible) following an accident, theft or if your vehicle has been vandalized.
Other coverages are available and differ by the State Legal Requirements in which you reside. You can call SafeAuto 24/7 at 1-800-SAFEAUTO (1-800-723-3288) and speak with a Sales Representative for more details.
I need insurance right away. Can SafeAuto help me?
Yes! Please call 1-800-SAFEAUTO (1-800-723-3288) and talk with a licensed agent or get a free car insurance quote online.
What would cause my insurance premium to increase after I start the policy?
Sometimes it is necessary for us to adjust your rates after the start of the policy if anything changes from your original quote. Some of the items that may have changed include additional violations returned on the Motor Vehicle Report (MVR) for you or a driver on your policy, or required forms not returned by the due date. If you notice a change in your premium and have additional questions regarding these changes please feel free to contact our Customer Service Department.
If you would like to see additional questions answered on our website please email us at CSD@safeauto.com and submit your question (please indicate in your e-mail that you would like your question added to our site).