AAA vs. SafeAuto Car Insurance [2021]

AAA and SafeAuto are two well-known companies that provide auto insurance. AAA is known for their roadside assistance while Safe Auto is known most for their low rates. There are several factors to consider when comparing AAA vs. SafeAuto. Knowing these differences will help you determine which company is right for you.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Feb 3, 2021

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Here's what you need to know...

  • AAA and SafeAuto are well-known names in the auto insurance industry.
  • AAA is the best insurance company for roadside assistance.
  • SafeAuto offers fewer discounts but lower rates.

AAA auto insurance was founded in 1902, while SafeAuto is a newer company, founded in 1993. Comparing AAA vs. SafeAuto will help you determine which company is right for you. 

These companies focus on different aspects of the business. AAA has made its name by offering exceptional roadside assistance for customers, while SafeAuto features low rates.

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AAA vs. SafeAuto: Best and Worst

A car insurance company will usually focus on certain benefits. While they might offer exceptional service, the premiums might be higher than those that focus on low car insurance rates.

AAA focuses on its roadside assistance service and its easy-to-use website. If you’re most concerned about breaking down on the side of the road, this company might be the best option.

While AAA’s roadside assistance is superior to other providers, they only allow cardholders four free service calls per year. This could be troublesome if you need frequent service calls. 

SafeAuto car insurance doesn’t offer the same benefits as AAA but has lower rates. These low insurance rates are what has allowed the company to grow in a crowded auto insurance market.

While finding low rates with SafeAuto is easy, getting through the claims process is not. The claims process of SafeAuto can take some time, a common complaint among those using this cheaper option.

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AAA vs. SafeAuto: What are the companies’ financial strength ratings?

The financial strength ratings of a company are critical because they tell consumers the likelihood that a provider will meet its financial obligations. In car insurance, that means that they’ll pay out when you file a legitimate claim.

While SafeAuto wasn’t rated by A.M. Best or S&P, the two primary rating services, AAA insurance was given strong grades by both. The services are comfortable that AAA has the financial strength to fulfill its obligations to cardholders.

AAA vs. SafeAuto: Special Car Insurance Discounts

There are various types of discounts that are offered by auto insurance providers. Comparing AAA vs. SafeAuto discounts will help you determine the better deal.

AAA car insurance is known for offering a variety of discounts in other industries. While cardholders pay higher rates than SafeAuto, they receive greater benefits through these special discounts. Some of these savings include:

  • Automotive
  • Dining
  • Entertainment
  • Financial
  • Health
  • Lodging
  • Shopping
  • Travel

SafeAuto doesn’t offer the same variety as AAA discounts, but they do offer car insurance savings. Drivers can receive a safe driver discount for safe driving, having vehicle safety features, and paying in full.

AAA vs. SafeAuto: Standard Car Insurance Discounts

Both AAA and SafeAuto offer car-specific discounts for customers. Comparing AAA vs. SafeAuto standard car insurance discounts will help you determine the better deal.

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AAA vs. SafeAuto: Mobile Apps

Both AAA and SafeAuto offer mobile apps to their customers, but the apps differ in what they provide.

The AAA mobile app provides access to the various discounts and roadside assistance. You’ll need to create a unique AAA login to utilize the app. A unique aspect of the mobile app is the AAA eTourBook Guides, which provides travel information on various destinations.

The SafeAuto mobile app is more simplistic, allowing you to manage your policy on your mobile device. Like AAA, you’ll need a specific SafeAuto login to best use the application. This includes paying your premiums, viewing your insurance card, and calling customer service.

AAA vs. SafeAuto: Roadside Assistance

Both AAA and SafeAuto offer roadside assistance. While SafeAuto isn’t known for this service, they expanded their roadside services in 2007. AAA has been long well-known for its quality roadside assistance.

AAA roadside assistance is available to those with car insurance and as a stand-alone offering. The company’s Emergency Road Service (ERS) allows cardholders to request service at any time. The ERS program offers:

  • Accident towing
  • Battery service
  • Emergency towing
  • Flat tire
  • Fuel
  • Lock out
  • Winching
  • Bicycle service

When you call AAA for roadside assistance service, they’ll need certain information before assistance will arrive. This information includes:

  • Full name
  • Membership number
  • Membership expiration date
  • Phone number
  • Vehicle type
  • Exact location
  • License plate number
  • Nature of difficulty
  • Tow destination

SafeAuto also offers roadside assistance. This no-cost option is exclusively available for insurance customers and offers 24-hour service. It can be used for various problems, including towing, lockouts, jump starts, and flat tires.

AAA vs. SafeAuto: Comparing Car Insurance Rates

There are various ways in which affordable car insurance rates are determined. This includes your credit score, risk, and age. AAA offers more benefits but SafeAuto offers lower rates if you have a bad credit score, are a high-risk driver, or are insuring a teenager.

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Frequently Asked Questions

Below are some of the questions most often asked about AAA and SafeAuto.

1. Do I need auto insurance to receive roadside assistance?

AAA offers roadside assistance as a separate purchase from auto insurance, allowing you to receive AAA’s roadside service without purchasing their auto insurance. SafeAuto includes roadside service exclusively through its auto insurance coverage.

2. What vehicles can be added to a policy?

You can add any private passenger vehicles to your account as long as the vehicle is registered to you, your spouse, your child, or a relative living permanently in your home.

3. Do auto insurance companies share information?

Auto insurance companies don’t share information on customers but your new insurer will find out about any accidents or violations by looking up your driving record.

AAA vs. SafeAuto: Which company is best for you?

The choice of AAA vs. SafeAuto largely depends on what is most important to you. SafeAuto is the cheaper option but offers fewer incentives than AAA.

Enter your ZIP code to compare AAA vs. SafeAuto quotes and find the best fit for you.

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