Compare Esurance vs. SafeAuto Insurance

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Which Company Will Save You the Most Money?

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Esurance and SafeAuto are both popular names and companies in the auto insurance industry. Both were found in the same decade, Esurance in 1999 and SafeAuto in 1993. Safe Auto is excellent for customers seeking low premiums since it offers auto insurance at the state’s minimal amount. Esurance also has affordable premiums as well as a ton of auto discounts. SafeAuto lacks financial strength and J.D. Power ratings, but as mentioned earlier is well-liked for its low premiums. However, its claims process has received negative reviews.

Esurance has good customer service and high financial strength scores, but lacks a reliable roadside assistance program. 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

  Esurance Safe Auto
Best If Esurance
  • You want low rates, straightforward prices, and strong online tools
Safe Auto
  • You want incredibly low insurance rates
Worst If Esurance
  • You want excellent roadside assistance
Safe Auto
  • You want a quick claims process

Special Car Insurance Discounts

Esurance Safe Auto
Esurance

There are a few discounts unique to Esurance that stand out. We’ll provide you with more information on these discounts below.

Fast 5 Discount gives you 5 percent off of your first-term premium for auto insurance. All you have to do to get this discount is start a quote online at esurance.com.

Paid-in-Full Discount saves you 10 percent off your premium if you choose to pay the full amount as opposed to in monthly increments.

Switch & Save Discount saves you up to 5 percent off your premium and is available for the first two policy terms. You can obtain this discount simply by switching to Esurance from your current insurance company.

Emergency Road Assistance Discount is available when you buy emergency road assistance from a different provider, such as AAA. This discount can save you up to 5 percent on your premium.

Pac-12 Discount is only available to those who have attended or are an alum of the Pac-12 schools. Find out more about this unique discount here.

Safe Auto

Standard Car Insurance Discounts

Bundling Coverage Discounts Esurance Safe Auto
Multi-Car
Home and Car
Car and Life
Vehicle Type and Safety Features Esurance 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 Esurance Safe Auto
Accident Free/Good Driver
Prior Insurance
Long Term Policy Holder
Defensive Driving Course
Student, Professional, and Club Memberships Esurance Safe Auto
Affinity Group
College Graduate
Good Student
Resident Student
Organization or Club Membership
Farm Bureau Member
Military
Special Circumstances Esurance Safe Auto
Telematics Device
Low Mileage
Short Commute
Days Per Week Driven
Other Discounts Esurance Safe Auto
Married
Paid in Full
Advance Renewal
Electronic Funds Transfer
Senior Driver
55 and Retired

Consumer Complaint Data

Esurance SafeAuto Insurance
2016 48 46
2015 67 82
2014 47 105
2013 43 36

U.S. Auto Insurance Shopping Study (2016)

Esurance SafeAuto Insurance
Overall Purchase Experience Average
Policy Offerings Average
Pricing Average
Local Agent Average
Call Center Representative --
Insurer Website Among the best

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

Esurance SafeAuto Insurance
Overall Satisfaction Below average
First Notice of Loss Below average
Service Interaction Below average
Appraisal Below average
Repair Process Below average
Rental Car Experience Below average
Settlement Below average

Financial Strength Ratings

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

Mobile Apps

Esurance Safe Auto
Esurance

The Esurance Mobile app lets you take care of your insurance anytime and anywhere. View your insurance ID cards, track the status of any claims you made, file a claim, and pay your premiums directly from your mobile device. Esurance Mobile makes managing your insurance fast, smart, and easy. To download the app for iPhone or Android, click here.

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

Esurance Safe Auto
Esurance

Esurance Emergency Road Service coverage

Esurance offers free roadside assistance 24/7. The company pays up to $75 per incident toward:

  • Towing
  • Tire changes
  • Gas, oil, and water delivery
  • Battery services
  • Lockout service

Roadside assistance is free if you select comprehensive and collision coverage for a vehicle on your insurance policy.

Emergency Road Service offers free rescue tracker that uses your smartphone to give the service provider your exact location and give you updates on their ETA.

Emergency Road Service is only eligible for Esurance covered vehicles.

Roadside Assistance Phone: 1 (888) 374-6472

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.