Safe Auto Insurance: Great Company or Rip Off Artists?

Safe Auto Insurance advertises minimum coverage for minimum prices. If you live in the south you have, no doubt, been exposed to their television commercials. They have a catchy jingle that incorporates the company's telephone number. They advertise low price insurance and their motto is: "We keep you legal for less"

In February I decided to swap my auto insurance and called Safe Auto for a quote. The customer service representative was very personable and seemed to know her job well. She asked the required questions about my husband and my driving records and put me on hold while she prepared the quote. When she returned to the line she gave me a price that was less than others that I had been quoted, with a down payment that wasn't outrageous and the monthly payments were very affordable.

My policy began on February 18, 2007. I was asked questions by Safe Auto that I was not asked by other insurance agencies. Questions like, "Do you or your spouse take any medications daily?" When I responded that my husband did have a prescription medication that he took once per day, she informed me that this medication was on her "list" and that we would need to obtain a statement from his doctor stating that he was fit to drive. The required paperwork was to be sent to me and then, according to her, faxed to our physician to be filled out. We received the paperwork, which I promptly forwarded to my husbands physician. We received a response that if we wanted this paperwork filled out that we would need to make an appointment to see the doctor. This was a little irritating to my husband, as he would have to take a day off of work, make an appointment with the doctor, pay for a doctor's visit, not to mention sitting in that waiting room. It seemed that this insurance company that promised lower prices was going to end up costing us money. The receptionist for our physician set up the earliest possible appointment, which was a month away.