Privacy Policy 

Effective Date: September 2025

Last Updated: September 2025

Safer Insurance Agency, Inc. (“Company,” “we,” “our,” or “us”) respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard information obtained through our website www.saferinsurance.com, in person, or through any other interaction with our services.

By accessing or using our Site or services, you acknowledge that you have read, understood, and agree to the terms of this Privacy Policy. If you do not agree, you should discontinue use of our Site and services immediately.

1. About Us

Safer Insurance Agency, Inc. is a licensed independent insurance agency LIC. 0E67714 that works with multiple insurance carriers to provide a wide range of insurance products and DMV-related services.

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    2. Information We Collect

    We may collect personal and non-personal information including, but not limited to:

       

        • Personal Identifiers: Name, address, phone number, email, driver’s license number, Social Security number (when required by insurers or regulators).

        • Insurance & DMV Information: Vehicle details, VIN numbers, registration records, insurance applications, claims history.

        • Financial Information: Payment details, billing address, credit or debit card numbers, bank account information.

        • Health Insurance Information: Covered California applications, dependent details, income verification, and related records.

        • Technical Data: IP address, browser type, device ID, geolocation data, cookies, and site usage analytics.

        • Other Information: Any data you voluntarily provide when requesting quotes, submitting forms, or communicating with us.

      3. How We Use Information

      We may use your information for purposes including, but not limited to:

         

          • Providing insurance and DMV-related services, including quotes, applications, renewals, and policy servicing.

          • Facilitating Covered California applications and related services.

          • Processing payments, billing, and collections.

          • Communicating with you regarding policies, claims, or required documentation.

          • Verifying your identity to prevent fraud or unauthorized access.

          • Meeting legal, regulatory, and licensing requirements.

          • Conducting audits, data analysis, and improving our Site and services.

        We may combine information we collect from you with data obtained from third parties (such as insurance carriers, DMV databases, or Covered California) in order to better serve you.

        4. Sharing of Information

        We may share your personal information with:

           

            • Insurance Carriers & Underwriters: To obtain quotes, issue policies, and manage claims.

            • Covered California (Health Insurance Exchange): For purposes of processing health coverage applications.

            • California DMV (when applicable): To process registration renewals and related services.

            • Third-Party Service Providers: IT support, payment processors, data storage, analytics, and marketing.

            • Legal & Regulatory Authorities: As required by law, regulation, subpoena, or court order.

            • Business Successors: In case of a merger, acquisition, or transfer of assets.

          We do not sell your personal information to third parties.

          5. Legal Disclaimers & Limitation of Liability

           

          • DMV Disclaimer: We are licensed by the California Department of Motor Vehicles (DMV), Occupational License Number 64725, but we are not affiliated with, endorsed by, or acting on behalf of the California DMV.
          • Covered California Disclaimer: We also offer health insurance through Covered California. This website is owned and maintained by Safer Insurance Agency, Inc., which is solely responsible for its content. Covered California is not affiliated with, nor does it endorse or assume responsibility for, any content or services provided on this Site. Any email addresses and phone numbers appearing on this Site belong exclusively to Safer Insurance Agency, Inc. and should not be used to contact Covered California.
          • Mobile information will not be shared with third parties/affiliates for marketing/promotional purposes. All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties. Opt out of receiving text messages at any time by sending STOP.
          • Safer Insurance Agency, Inc. is not responsible for errors, omissions, delays, or inaccuracies caused by insurance carriers, the DMV, Covered California, or any third-party service providers.
          • All services are provided “as-is” without warranties of any kind, express or implied.
          • We do not guarantee approval of insurance coverage, DMV processing times, or eligibility determinations.
          • To the fullest extent permitted by law, Safer Insurance Agency, Inc. shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising out of your use of our Site or services.

          6. Data Security

          We implement industry-standard administrative, technical, and physical safeguards to protect your personal data. However, no electronic transmission or storage system is 100% secure. By using our Site and services, you acknowledge and accept this risk.

          7. Data Retention

          We retain personal information only as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required by law, insurance carrier policies, or regulatory obligations.

          8. Your Rights

          You may have rights under state or federal law to:

             

              • Access and obtain a copy of your personal information.

              • Request corrections or updates to your information.

              • Request deletion of your personal information (subject to regulatory retention requirements).

              • Opt out of marketing communications.

            Requests can be submitted in writing to our contact information listed below.

            9. Third-Party Links

            Our Site may contain links to external websites operated by third parties. Safer Insurance Agency, Inc. is not responsible for the content, accuracy, or privacy practices of such external sites.

            10. Children’s Privacy

            Our services are not directed to children under the age of 13. We do not knowingly collect or maintain information from anyone under 13 years of age.

            11. Governing Law & Jurisdiction

            This Privacy Policy and any disputes arising under it are governed by the laws of the State of California, without regard to conflict-of-law principles. By using our Site or services, you agree that any legal action or proceeding shall be brought exclusively in the state or federal courts located in San Diego County, California.

            12. Updates to This Privacy Policy

            We reserve the right to modify or update this Privacy Policy at any time. Changes will be posted on this page with the “Last Updated” date revised accordingly. Continued use of our Site or services after changes are posted constitutes acceptance of those changes.

            13. Contact Us

            For questions, concerns, or privacy-related requests, please contact us at:

            Safer Insurance Agency, Inc.
            337 E San Ysidro Blvd, Suite D
            San Ysidro, CA 92173
            Phone: (619) 428-1333
            Email: info@saferinsurance.us