Allstate vs. SafeAuto Car Insurance [2021]

AAA and Safe Auto 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. Safe Auto. Knowing these differences will help you determine which company is right for you.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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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: Mar 15, 2021

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Here's what you need to know...

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

AAA auto insurance was founded in 1902, while Safe Auto is a newer company, founded in 1993. Comparing AAA vs. Safe Auto 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 Safe Auto features low rates.

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AAA vs. Safe Auto: 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.

Safe Auto 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 Safe Auto is easy, getting through the claims process is not. The claims process of Safe Auto can take some time, a common complaint among those using this cheaper option.

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AAA vs. Safe Auto: 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 Safe Auto 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. Safe Auto: Special Car Insurance Discounts

There are various types of discounts that are offered by auto insurance providers. Comparing AAA vs. Safe Auto 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 Safe Auto, they receive greater benefits through these special discounts. Some of these savings include:

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

Safe Auto 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. Safe Auto: Standard Car Insurance Discounts

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

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AAA vs. Safe Auto: Mobile Apps

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

AAA vs. Safe Auto: Roadside Assistance

Both AAA and Safe Auto offer roadside assistance. While Safe Auto 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

Safe Auto 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. Safe Auto: 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 Safe Auto 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 Safe Auto.

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. Safe Auto 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. Safe Auto: Which company is best for you?

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

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

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