Terms of Use

Please read these Terms and Conditions of Use ("Terms of Use") carefully before using this Website.

These terms of use describe the terms and conditions applicable to your access and use of this website, which is operated by and on behalf of Safe Auto Group Agency, Inc. and/or its affiliates (referred to collectively as “Safe Auto”). Your use of this website is expressly conditioned on your acceptance of these terms and conditions. If you do not agree with any of these terms and conditions, you must not use this website.

Safe Auto reserves the right to modify the Terms of Use at any time by simply updating this posting. Any modifications will be included in the Terms of Use, so your continued use of this website will constitute your acceptance of any modifications to the Terms of Use. Please check this page regularly.

Electronic Signature of Policy

From time to time, Safe Auto may provide you with certain written notices or disclosures. The federal Electronic Signatures in Global and National Commerce Act (“ESIGN Act”) and certain state laws allow the use of electronic signatures. With your consent, you can review and sign your documents through the DocuSign, Inc. (DocuSign) electronic signing system. If you elect to electronically sign documents, further disclosures pertaining to electronic records and electronic signatures will be provided to you upon accessing a DocuSign link sent by Safe Auto.

Electronic Delivery of Documents

Safe Auto may provide you with certain written notices or disclosures. Some of these notices and disclosures are required by law to be “in writing”, which means you are entitled to receive the notice or disclosure on paper. The federal ESIGN Act and certain state laws allow Safe Auto to provide you these notices or disclosures electronically with your consent.

Described below are the terms and conditions for providing such notices and disclosures to you in electronic form. Safe Auto reserves the right to provide you notices or disclosures in paper form, even if you have consented to receive the documents in electronic form. Please read the information below carefully; if you do not agree with any of the terms and conditions for electronic delivery, do not consent to electronic delivery. If you consent to electronic delivery of documents, you agree that this consent is voluntary and can be withdrawn at any time. You should print or otherwise retain a copy of this disclosure for your records.

All notices and disclosures will be sent electronically

Unless you tell Safe Auto otherwise, in accordance with the procedures described below, Safe Auto will provide to you in electronic format all required notices, disclosures, authorizations, acknowledgements, information, and other documents (collectively referred to as “electronic documents”) that are to be provided or made available to you. All electronic documents will be sent to the email address that you have provided to Safe Auto. However, as indicated above, Safe Auto reserves the right to provide you documents in paper form, even if you have consented to receive in electronic form.

How to request a paper copy of an electronic document

You will have the ability to download and print electronic documents that Safe Auto sends you. To request a paper copy of the electronic document, send an email to the appropriate email address designated below and include within your email your full name, email address, US Postal address, and telephone number. Safe Auto will at that time, if allowed by law, bill you for any fees associated with this request.

For Policy related document requests:csd@safeauto.com

For Claim related document requests:csd@safeauto.com

You may also call 1-800-SAFEAUTO (723-3288) and request a paper copy of an electronic document previously provided to you. Safe Auto will at that time, if allowed by law, bill you for any fees associated with this request.

How to withdraw your consent for electronic delivery of documents

At any time, you may change your mind and request all electronic documents be in paper form and mailed to your US postal address on file with Safe Auto. To stop receiving electronic documents, send an email to csd@safeauto.com and include within your email your full name, email address, US Postal Address, and telephone number. Safe Auto does not require any other information from you to withdraw consent.

Withdrawing your consent will not affect the legal enforceability of electronic documents provided to you before the effective date of cancellation.

Consequences of withdrawing your consent

If you elect to receive required notices and disclosures in paper form instead of electronic form, it will slow the speed at which Safe Auto can complete certain steps in transactions with you and deliver services to you. The process will take longer because Safe Auto needs to send the required notices or disclosures to you in paper form and then wait for acknowledgment from you that you received such paper notices or disclosures.

To advise Safe Auto of your new email address

It is your sole responsibility to keep your email address current, active, and capable of receiving emails. You are responsible for accessing, opening, and reading the electronic documents. The electronic documents have the same legal effect as printed ones.

To inform Safe Auto of any change to your email address for the electronic delivery of documents, send an email to csd@safeauto.com and include in your email both your previous email address and your new email address. Safe Auto does not require any other information from you to change your email address.

Safe Auto does not warrant that the delivery of electronic documents will be uninterrupted or error free. Further, Safe Auto is not responsible for problems arising from emails sent to an inactive or out-of-date email addresses. If an email is returned to Safe Auto as undeliverable, Safe Auto will attempt to resend the email. If the email is returned again as undeliverable, Safe Auto will presume that you have withdrawn your consent and the documents will be mailed to you using the US Postal address on file with Safe Auto.

Hardware and software requirements to access and retain electronic records

Operating Systems: Windows® 7
Windows® 8.x
Windows® 10
Mac OS® X 10.9+
Browsers: Final release versions of Internet Explorer® 11 or above (Windows only)
Microsoft Edge (Windows Only)
Google Chrome 30+ (Windows and Mac)
Mozilla Firefox 27+ (Windows and Mac)
Safari™ 7+ (Mac only)
PDF Reader: Acrobat® or similar software may be required to view and print PDF files
Screen Resolution: 1024 x 768 minimum (for desktops and laptops)
Enabled Security Settings: Allow per session cookies

** These minimum requirements are subject to change. Pre-release (e.g. beta) versions of operating systems and browsers are not supported. You must also have an active email address.

If Safe Auto’s hardware or software requirements change and that change would create a material risk that you would not be able to access or retain your electronic records, Safe Auto will provide you notice of the revised hardware or software requirements. Continuing to accept electronic delivery of the documents after receiving notice of the change is reaffirmation of your consent.

State Specific Notices

The following notifications are required by law in the states identified below. Such notifications are applicable only to the residents of the identified states, and this Terms of Use remains in full force and effect, subject only to the modifications required by such notifications.

GEORGIA RESIDENTS – PLEASE READ THE FOLLOWING

Georgia law requires the following language be included in this Terms of Use:

"I AGREE TO RECEIVE ALL MAILINGS AND COMMUNICATIONS ELECTRONICALLY. SUCH ELECTRONIC MAILING OR COMMUNICATIONS MAY EVEN INCLUDE CANCELLATION OR NONRENEWAL NOTICES"

KENTUCKY RESIDENTS – PLEASE READ THE FOLLOWING

Kentucky law requires the following language be included in this Terms of Use:

"THE POLICYHOLDER WHO ELECTS TO ALLOW FOR THIS POLICY, NOTICES AND COMMUNICATIONS TO BE SENT TO THE ELECTRONIC MAIL ADDRESS PROVIDED BY THE POLICYHOLDER SHOULD BE AWARE THAT THE ELECTION OPERATES AS CONSENT BY THE POLICYHOLDER FOR ALL NOTICES TO BE SENT ELECTRONICALLY, INCLUDING NOTICE OF NONRENEWAL AND CANCELLATION. THEREFORE, THE POLICYHOLDER SHOULD BE DILIGENT IN UPDATING THE ELECTRONIC MAIL ADDRESS PROVIDED TO THE INSURER IN THE EVENT THAT THE ADDRESS SHOULD CHANGE."

Kentucky law also requires that you be advised of the options when electing to receive a policy and notices. The options are as follows: (1) You may continue to receive delivery of the policy and all notices in hard copy; (b) You may receive delivery of the policy electronically, but receive all notices in hard copy; or (c) You may receive delivery of the policy and all notices electronically.

TENNESSEE RESIDENTS – PLEASE READ THE FOLLOWING

Tennessee law requires the following language be included in this Terms of Use:

"THE POLICYHOLDER ELECTING TO ALLOW FOR NOTICES AND COMMUNICATIONS TO BE SENT TO THE ELECTRONIC MAIL ADDRESS PROVIDED BY THE POLICYHOLDER SHOULD BE AWARE THAT THE INSURER RIGHTFULLY CONSIDERS THIS ELECTION TO BE CONSENT BY THE POLICYHOLDER THAT ALL NOTICES MAY BE SENT ELECTRONICALLY, INCLUDING NOTICE OF NONRENEWAL AND NOTICE OF CANCELLATION. THEREFORE THE POLICYHOLDER SHOULD BE DILIGENT IN UPDATING THE ELECTRONIC MAIL ADDRESS PROVIDED TO THE INSURER IN THE EVENT THAT THE ADDRESS SHOULD CHANGE."

Federal Law

You acknowledge and agree that this consent for electronic delivery is being provided by you in connection with a transaction affecting interstate commerce and subject to the federal Electronic Signatures in Global and National Commerce Act, and that you intend that the Act apply to the fullest extent possible to validate your ability to conduct business with Safe Auto by electronic means.

Acknowledging your access and consent to receive materials electronically

In agreeing to accept electronic delivery of documents, you are agreeing that:

  • You can access and read these Terms and Conditions; and
  • You have the ability to print the Terms and Conditions and/or store the Terms and Conditions for future reference and access; and
  • You have an active email address on file with Safe Auto and confirm that you have the required hardware and software described above; and
  • If you are a resident of Georgia, Kentucky, or Tennessee, you have read the mandatory notification required by your respective state;
  • You will promptly update your email address with Safe Auto in the event your email address should change; and
  • Until or unless you notify Safe Auto as described above, you consent to receive from Safe Auto exclusively through electronic means all notices, disclosures, authorizations, acknowledgements, and other documents that are required to be provided or made available to you.

If you have any additional questions, please contact 1-800-SAFEAUTO (723-3288) or visit Safe Auto’s website at www.safeauto.com.

Safe Auto Intellectual Property Rights

Except where otherwise indicated, all materials contained in this website are the copyrighted property of Safe Auto. The SafeAuto® logo, the terms Safe Auto Insurance Company, SafeAuto®, Safe Auto Insurance and all other service marks or registered trademarks, including, but not limited to, 1-800-SAFEAUTO™, Play It Safe®, We Keep You Legal For Less®, and Minimum Coverage For Minimum Budgets®, and the names of various products and services described within and offered by Safe Auto are the intellectual property of Safe Auto. Safe Auto reserves all rights to its intellectual property. You are not authorized to use any portion of this site or any other Safe Auto intellectual property on any other site without Safe Auto’s written permission.

Use of Safe Auto’s Website

The material provided on the Safe Auto website, including the information and any images incorporated in the site, is for your private non-commercial use only. You may not store, copy, post, transmit, modify, publish, republish, distribute, download, or otherwise use any of the website’s content unless you first obtain Safe Auto’s written permission. You shall not systematically retrieve data or other content from this website without Safe Auto’s prior written permission. You must obtain written permission from Safe Auto before creating any kind of hyperlink from another website to any page in this website. In addition, you shall not use any portion of this website, or any other intellectual property of Safe Auto (including, but not limited to Safe Auto service marks), on any other website, in the source code of any other website, or in any other printed or electronic materials without first obtaining Safe Auto’s written permission.

Permission is granted to use, copy, and distribute these materials as presented in this website and without alteration for private non-commercial purposes only; provided that all copyright and other proprietary notices appear in all copies in the same manner as the original. All other uses are expressly prohibited.

You may not use this website for any illegal or unauthorized purpose. You agree to comply with all laws, rules, and regulations (for example, federal, state, and local) applicable to your use of Safe Auto’s website, including, but not limited to, copyright laws. You may not use this website to engage in conduct that is libelous, defamatory, or threatening. Any information you provide through this site must be truthful, correct, and accurate.

You are not authorized to send unsolicited commercial email messages to any email addresses at @safeauto.com. Safe Auto reserves the right to take any action that may be necessary to prevent misuse of its email system by unauthorized users.

Account Information and Password Protection

Some portions of Safe Auto’s website are restricted, and you are required to have a User ID and password to access the restricted areas. In order to prevent unauthorized access to and use of your account on Safe Auto’s website, you agree to protect and keep confidential your password and other means of accessing your account.

In accessing the portions of Safe Auto’s website requiring a User ID and password, you agree that:

  • Safe Auto is not liable for any unauthorized access to your personal information that is not the direct result of gross negligence or intentional misconduct on the part of Safe Auto.
  • Safe Auto is entitled to act on any instructions received through your online account.
  • You will notify Safe Auto immediately if you believe someone else has obtained your User ID and password or if any unauthorized access to your online account has occurred or may occur.
  • Safe Auto may block access to your online account, without prior notice, if Safe Auto has reason to believe that your User ID and password are being used by someone other than you or if any unauthorized access to your personal information has occurred or may occur.
  • Safe Auto may terminate, suspend, or limit your access to your online account at any time without prior notice for any reason.

Links to/from other Websites

For your convenience, Safe Auto sometimes provides links to other Internet websites (“Third-Party Sites”) that are not maintained by Safe Auto. In addition, you may have reached Safe Auto’s website from a Third-Party Site. The Uniform Resource Locator (URL) address in your web browser will tell you if you are on Safe Auto’s website or a Third-Party Site. Safe Auto makes no warranties or representations about the content of, material of, products or services offered by, or intellectual property compliance of these Third-Party Sites. The views, opinions, statements, offers, or other information or content expressed therein are those of the Third-Party Site and not Safe Auto. Safe Auto recommends that you take the time to read the privacy policies and user agreements of the Third-Party Sites.


It is very important that you read the next two sections carefully.

Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, SAFE AUTO WILL NOT BE RESPONSIBLE FOR ANY INJURY, LOSS, CLAIM, OR DAMAGE (INCLUDING, BUT NOT LIMITED TO, DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, PUNITIVE OR EXEMPLARY DAMAGES), WHETHER BASED IN CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, WHICH ARISES OUT OF (1) PERFORMANCE FAILURE; (2) USE OF, OR INABILITY TO USE, SAFE AUTO’S WEBSITE OR THE CONTENT FOUND ON SAFE AUTO’S WEBSITE; (3) USE OF, OR INABILITY TO USE, ANY WEBSITE TO WHICH YOU HYPERLINK FROM SAFE AUTO’S WEBSITE; (4) ERROR; (5) MISTAKE OR OMISSION; (6) INTERRUPTION OF SERVICE; (7) DEFECT; (8) DELAY IN OPERATION OR TRANSMISSION OF INFORMATION TO OR FROM YOU; (9) INTERRUPTIONS IN TELECOMMUNICATIONS CONNECTIONS TO SAFE AUTO’S WEBSITE; (10) COMPUTER VIRUSES THAT MAY INFECT YOUR COMPUTER EQUIPMENT OR OTHER PROPERTY; (11) LINE FAILURE; (12) UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA. SAFE AUTO IS NOT LIABLE EVEN IF SAFE AUTO HAS BEEN NEGLIGENT AND/OR IF SAFE AUTO’S AUTHORIZED REPRESENTATIVE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. However, in certain states where the law may not allow Safe Auto to limit or exclude liability, the above limitation may not apply and you may have the right to recover these types of damages.

Disclaimer of Warranty

THE CONTENT AND MATERIAL ON SAFE AUTO’S WEBSITE IS PROVIDED ON AN “AS IS” BASIS WITHOUT WARRANTY OF ANY KIND EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO, (1) IMPLIED WARRANTY OF MERCHANTABILITY; (2) IMPLIED WARRANTY THAT THE MATERIAL IS OF ANY PARTICULAR LEVEL OF QUALITY OR IS FIT FOR A PARTICULAR PURPOSE; (3) WARRANTY OF NON-INFRINGEMENT; (4) WARRANTY THAT THE FUNCTIONAL ELEMENTS CONTAINED IN THE MATERIALS WILL BE UNINTERRUPTED OR ERROR-FREE; (5) WARRANTY THAT DEFECTS WILL BE CORRECTED; (6) WARRANTY THAT SAFE AUTO’S WEBSITE OR SAFE AUTO’S SERVERS THAT MAKE THE WEBSITE AVAILABLE ARE FREE OF COMPUTER VIRUSES OR OTHER HARMFUL COMPONENTS OR CONDITIONS; AND (7) WARRANTY THAT INFORMATION CONTAINED IN THE WEBSITE IS ACCURATE, COMPLETE, CURRENT, OR RELIABLE. Some states do not allow the disclaimer of implied warranties, so the foregoing disclaimer may not apply to you. You may also have other legal rights that vary from state to state.

In addition, ANY RISK ARISING OUT OF USE OR PERFORMANCE OF THE INFORMATION, SERVICES, MATERIALS, SOFTWARE, OR OTHER ITEMS REMAINS ENTIRELY WITH YOU.

Availability of Our Products and Services to You

By providing material and content on Safe Auto’s website, Safe Auto does not in any way promise that the materials will remain available to you or that you will qualify for the products offered. Safe Auto is entitled to terminate all or part of any of its website at any time, without notice to you.

Unless otherwise specified, the materials and content on Safe Auto’s website are to provide information about Safe Auto, Safe Auto’s insurance products, and the insurance business. Safe Auto operates and controls its site from the Company's headquarters in Columbus, Ohio, in the United States of America. Safe Auto in no way implies that the materials or products on its website are available for use outside the United States or in jurisdictions in which Safe Auto is not licensed to do business, or that Safe Auto is soliciting business in any such jurisdiction.

Product availability varies by state and your individual circumstances, including, but not limited to, the following:

  • Safe Auto only offers automobile insurance in Arizona, Georgia, Illinois, Indiana, Kansas, Kentucky, Louisiana, Mississippi, Missouri, Ohio, Oklahoma, Pennsylvania, South Carolina, Tennessee, Texas and Virginia.
  • Safe Auto does not provide an automobile quote if you have more than five drivers and/or four vehicles.

The information and descriptions contained in this website are intended as general information and are not necessarily complete descriptions of all terms, exclusions, and conditions applicable to the products and services offered by Safe Auto. The insurance coverage afforded by Safe Auto is subject to the terms and conditions of the policies issued.

By submitting a request for a rate quote you agree to the terms and conditions of this Terms of Use agreement. This agreement is effective until terminated by either party. You may terminate this agreement at any time and without notice to Safe Auto by destroying all materials you have obtained from the Safe Auto website, together with all related documentation and all copies, if any. Safe Auto may terminate this agreement at any time and without notice to you if, in Safe Auto’s sole judgment, you breach any term or condition of this agreement. Upon termination, you must destroy any and all materials you have obtained from the Safe Auto website.

Jurisdiction

These terms and conditions and the agreement they create, shall be governed by and interpreted according to the laws of the State of Ohio, without giving effect to Ohio's conflict of laws principles. Any dispute concerning this site shall be subject to the exclusive venue of a court of competent jurisdiction in Franklin County, Ohio.

Enforceability

If any provision of this agreement is held by a court of competent jurisdiction to be invalid, void, or unenforceable, the remainder of the provisions of this agreement shall remain in full force and effect and shall in no way be affected, impaired, or invalidated.

Caption Headings

The caption headings in this agreement are for reference only and shall not affect the interpretation of this Agreement.