Compare AAA vs. SafeAuto Insurance

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SafeAuto and AAA are two well-known companies in the auto insurance industry. SafeAuto was founded in 1993, and AAA was founded in 1902. AAA was rated #1 in roadside service for 2016, and offers an array of discounts one can earn through hotels, restaurants, and other venues.

Meanwhile, SafeAuto is liked for providing auto insurance at low rates and having great customer service. However, SafeAuto’s claims process is a bit slow, and AAA has issues with responsiveness to roadside incidents.

So which one offers the kinds of discounts, services, and even customer ratings that best fit your car insurance wants and needs? Keep reading to find out.

Best If/Worst If

  AAA Safe Auto
Best If AAA
  • You want excellent roadside service
  • You want to easily access information from the website
Safe Auto
  • You want incredibly low insurance rates
Worst If AAA
  • You constantly need service calls; AAA only provides four service calls per cardholder per year, and anything beyond that costs extra
Safe Auto
  • You want a quick claims process

Special Car Insurance Discounts

AAA Safe Auto
AAA

Another special feature of AAA is that it offers discounts in almost any category you can imagine. At participating establishments in your state, you can get Triple A discounts in the areas of:

  • Automotive
  • Dining
  • Entertainment
  • Financial
  • Health
  • Insurance
  • Lodging
  • Services
  • Shopping
  • Travel
Safe Auto

Standard Car Insurance Discounts

Bundling Coverage Discounts AAA Safe Auto
Multi-Car
Home and Car
Car and Life
Vehicle Type and Safety Features AAA Safe Auto
Alternative Fuel
Electronic Stability Control (ESC)
Anti-Lock Brake
Anti-Theft
Passive Restraint
New Car
Economy Car
Utility Vehicle
Farm or Ranch Vehicle
Driving Record and Insurance History AAA Safe Auto
Accident Free/Good Driver
Prior Insurance
Long Term Policy Holder
Defensive Driving Course
Student, Professional, and Club Memberships AAA Safe Auto
Affinity Group
College Graduate
Good Student
Resident Student
Organization or Club Membership
Farm Bureau Member
Military
Special Circumstances AAA Safe Auto
Telematics Device
Low Mileage
Short Commute
Days Per Week Driven
Other Discounts AAA Safe Auto
Married
Paid in Full
Advance Renewal
Electronic Funds Transfer
Senior Driver
55 and Retired

Consumer Complaint Data

AAA Car Insurance SafeAuto Insurance
2016 46
2015 82
2014 105
2013 36

U.S. Auto Insurance Shopping Study (2016)

AAA Car Insurance SafeAuto Insurance
Overall Purchase Experience Average
Policy Offerings Average
Pricing Average
Local Agent Average
Call Center Representative Above average
Insurer Website Average

U.S. Auto Insurance Claims Satisfaction Study (2015)

AAA Car Insurance SafeAuto Insurance
Overall Satisfaction Above average
First Notice of Loss Above average
Service Interaction Above average
Appraisal Average
Repair Process Among the best
Rental Car Experience Above average
Settlement Above average

Financial Strength Ratings

AAA Car Insurance SafeAuto Insurance
A.M. Best A+ --
Moody's -- --
S&P's A --

Mobile Apps

AAA Safe Auto
AAA

AAA Mobile app grants you access to tons of exclusive member discounts at over 164,000 locations. You can also request roadside assistance from your mobile device as well as instant battery quotes. Download the AAA Mobile app here.

AAA eTourBook Guides provide members with great travel information for top travel destinations in the US.

Safe Auto

The SafeAuto Mobile App lets you manage your insurance policy quickly and conveniently from your mobile device. With the app, you can pay your insurance premiums, view your insurance ID cards or policies, call customer service, and use the “Name Your Car” tool. To download the app for iPhone or Android, click here

Roadside Assistance

AAA Safe Auto
AAA

AAA Roadside Assistance

AAA is best known for its roadside assistance and emergency road service. With the Emergency Road Service (ERS), AAA members can request help at any time.

ERS offers the following roadside services:

  • Accident Towing
  • Battery Service
  • Emergency Towing
  • Flat Tire
  • Fuel
  • Lock Out
  • Winching
  • Bicycle Service

Contact Phone Number

When you call the ERS number (1-800-AAA-HELP/1-800-222-4357), you’ll need to provide the representative with the following contact information:

  • Name
  • Membership number
  • Membership expiration date
  • Phone number
  • Vehicle type
  • Exact location
  • License plate number
  • Nature of difficulty
  • Tow destination
Safe Auto

SafeAuto offers towing and roadside assistance as a coverage option for your auto insurance policy. With this coverage, towing services and certain repair costs will be covered so you and your car can get back on the road as soon as possible.