Highya noted that when it comes to liability insurance, the state minimum is the state minimum. The money you save on car insurance premiums could end up going to paying off any accident-related expenses. The minimum amount of liability insurance won’t provide you much coverage, however, and may leave you on the hook for any damages that exceed your property and bodily damages limits. It’s also so focused on this type of insurance that on SafeAuto’s website, you can’t even get a quote for more liability coverage than the state minimum. The company offers cheap car insurance prices on the minimum amount of insurance required to keep you on the road. Liability insurance is SafeAuto’s specialty. It’s how much your insurance will cover for damage to other people’s cars, personal belongings, or any other property damaged in an accident. Since the total amount of your bodily injury liability limit per accident is $60,000 and the total cost of their injuries is $55,000, your insurance would still cover everything.Īs for the third number, that’s your property damage liability limit. Both of these amounts are under $30,000, so because your bodily injury liability limit per person is not reached, your insurance covers all of their costs. Now say you’re in a wreck that injures two people, one for $25,000 and one for $30,000. If your policy was $30K/$60K/$25K, your insurance would cover $30,000 of their bills, and then you would be on the hook for the rest. Say you’re in a wreck with one person that causes $40,000 in medical costs for one other driver. It’s the maximum amount of how much in medical bills your policy would cover in an accident. The second amount is the bodily injury liability limit per accident. It’s what your insurance would pay if someone needed medical care as a result of an accident. The first number is the bodily injury liability limit per person injured. Each number corresponds with the maximum payout for different types of damages. The coverage amounts for liability insurance are shown as three numbers, like $30K/$60K/$25K. It only provides coverage for other automobiles, people or property involved in an accident where you are at fault. Liability insurance doesn’t cover you, your car, or its passengers. This is the type of car insurance drivers in every state are legally obligated to carry. However, the company is less well-known for these products and therefore fewer experts have weighed in with their opinions on SafeAuto’s other types of insurance. It does offer a few other types of insurance as well. SafeAuto offers auto insurance for the nonstandard market, mainly focusing on the minimum state required liability insurance. Secured with SHA-256 Encryption SafeAuto Products and Services If you want comprehensive, collision or a few other types of car insurance, it does offer those as well. The company focuses on providing these low-coverage policies at a low cost. Most of SafeAuto’s customers are looking for the cheapest prices on the minimum amount of insurance their state requires. You won’t find options for homeowners, renters or business insurance like you would with a larger company. The company is a bit of a one-trick-pony in this regard. SafeAuto specializes in offering auto insurance to drivers with a less-than-spotless record. SafeAuto offers quotes on insurance that are actually great. SafeAuto commercials state that the company doesn’t offer bad quotes. Not everyone realizes that the star of these ads didn’t actually work for SafeAuto through – several people called the company and asked to speak with Justin after the television ads debuted. Some people may remember SafeAuto for its commercials featuring fictional employee Justin Case from back in 2009. Only offers a limited range of auto insurance products and no renters, homeowners or other types of insurance.Competitive rates for its type of high-risk insurance coverage.Specializes in offering the bare minimum of state-required auto insurance, covering high-risk drivers, and covering drivers requiring an SR-22 (see FAQ for definition).The Top Five Things to Know about SafeAuto Insurance Learn more about the company in out SafeAuto Insurance review. The question is whether SafeAuto’s strengths outweigh its drawbacks. SafeAuto is only offered in 17 states, and its drivers give up on many of the perks larger insurance agencies offer, like discounts for bundling multiple insurance products. However, SafeAuto’s low prices and accepting nature do come with some trade-offs. Some drivers just need insurance that keeps them on the road at a low price, or coverage while remedying their driving record. They’ve got a narrow appeal, but that’s by design. SafeAuto Insurance specializes in providing nonstandard insurance to drivers with a not-so-great history behind the wheel, and competitive prices on the state minimum required auto insurance.
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