Safeco Car Insurance Review

Liberty Mutual established Safeco Car Insurance as a subsidiary in Seattle, Washington in 1923. Over time, the company’s insurance offerings have grown to include a wide range of coverage types while always maintaining an emphasis on value. Safeco’s vehicle insurance plans come in a variety of flavors, each with varying levels of coverage and cost-saving features. Customers may also save money by bundling their house and vehicle insurance policies, according to the business.

With Liberty Mutual’s backing, customers can rest easy knowing that the firm will fulfill claims. It’s probable that consumers may be turned off by Safeco’s poor JD Power customer satisfaction scores because of this. If you’re looking for low-cost options for house and vehicle insurance, this is a fantastic place to start See whether Safeco is a good match for your new insurance policy by reviewing our coverage choices, discounts, and claims satisfaction results.

Safeco Car Insurance Ratings

Safeco Car Insurance Review - Safeco Logo

Safeco offers a variety of perks and insurance alternatives to motorists. Customer complaints and satisfaction are uneven, despite the fact that the organization offers remarkable coverage alternatives and discounts in general. Read on for more information on Safeco’s auto insurance if you’re interested.

  • Claims satisfaction (J.D. Power) — In 2020, the J.D. Power Claims Satisfaction Study gave Safeco a poor rating for customer happiness.
  • Customer satisfaction (J.D. Power) — In the year 2021, a survey by J.D. Power found that Safeco customers were largely happy.
  • Financial strength — In terms of financial strength, Safeco can pay claims, as shown by the AM Best rating.
  • NAIC rating — The National Association of Insurance Commissioners (NAIC) received a higher-than-average number of complaints in 2019 about Safeco.

Safeco Pros and Cons

Pros

  • Deal-hunters on the lookout for savings.
  • Passenger drivers employed just to generate income (in certain states)
  • Those in need of a coverage that covers both their house and automobile in one package

Cons

  • The people who don’t want to bundle their coverage but want the greatest customer service and claims experience
  • Only those seeking the most basic kind of protection are interested.

Safeco Insurance bundling options

With Safeco Insurance, you may choose from a variety of insurance plans, many of which come packaged together. It’s Safeco’s “Safeco Package”, to use the company’s terminology. This strategy may save you money while also making it easy to keep track of your insurance coverage. Safeco offers a 15% discount when you bundle your auto, house, boat, and RV insurance policies. You may only have to pay a single deductible if your home and car insurance policies are bundled and both are damaged in the same occurrence..

Safeco car insurance coverage options

In addition to the standard accident, personal injury, and other coverages, Safeco provides a large selection of extra plans and coverages that may be added to your vehicle insurance.

  • Accident forgiveness. After a certain number of accident-free years, you may be eligible for accident forgiveness. This is illegal in the state of California.
  • Diminishing deductible. With Safeco’s falling deductible program, which is also known as a vanishing deductible, you may reduce your yearly deductible by $100. For this award, you must have had no claims made against you for the whole term of your insurance. There are a few states where this is a possibility.
  • Loan/lease gap coverage. If your automobile is still being paid off after a complete loss, Safeco will pay the difference between the vehicle’s market value and the outstanding loan or lease debt. This is also known as gap insurance.
  • First aid reimbursement. If you’re in an accident, all car insurance plans include $10,000 in first-aid reimbursement coverage.
  • Roadside assistance. If your vehicle breaks down and leaves you stranded, Safeco will cover the expense of towing, including flat tires, lost keys, and dead batteries.
  • Emergency assistance. In the event of a crisis, your insurance coverage may be raised if you’re in an accident more than 25 miles from home. Additionally, in the case of personal property damage, up to $500 in compensation is provided for expenditures, food, accommodation, and transportation.
  • Rental car reimbursement. Car insurance company Safeco can help pay the cost of a rental car if your vehicle is unusable while it is being repaired after an accident. A rental car valet driver will bring your damaged vehicle to a repair shop and then deliver you in a rental car if you have a driveable vehicle after a claim.
  • New car replacement. Safeco will replace the value of your new automobile if it is stolen or wrecked. Visit this page to learn more about this benefit.
  • Pet coverage. Pet injury and death coverage from Safeco may assist with vet bills.
  • Personal property auto insurance coverage. If any of your personal things are destroyed or stolen, you will be compensated.
  • Electronic key and lock replacement. Safeco will waive your deductible and provide you new electronic keys if yours are stolen or misplaced.
  • AV and custom equipment coverage. Your stereos, performance-enhancing or customized components, as well as the original factory equipment are covered under this plan. It also includes your audio, visual, and bespoke equipment.
  • Safeco rideshare coverage. This is an optional add-on for rideshare drivers in Arizona, Colorado, Illinois, Indiana, Kansas, Minnesota, Missouri, Oklahoma, Oregon, Tennessee, Utah, Washington and Wisconsin. There is a good chance that other states may follow suit in the not too distant future. This insurance, according to Safeco, costs $10 a month.

Safeco insurance discounts and reward programs

Even if your insurance rates are already expensive, you should look for and utilize any discounts given by the various insurance companies that you deal with. The reductions offered by Safeco aren’t bad. You’re eligible for a slew of incentives.

Insurance discounts based on your policy

  • Multi-policy: Combining your auto and home insurance plans might save you up to 15%.
  • Pay in full: If you pay your premium in full at the time of purchase or renewal, you will get savings.

Discounts based on your driving profile or vehicle

  • Multi-car. Car insurance might be cheaper if you insure many cars under one policy.
  • Homeowners. If you own a house, you may be entitled for discounts.
  • Accident prevention course. Those over 55 who have completed an approved accident prevention course may be eligible for a three-year insurance premium reduction.
  • Low-mileag. Reduced mileage drivers might save up to 20% on their annual expenses (Not available in Alaska and California).
  • Anti-theft device. If your vehicle is fitted with a theft-deterrent device, you may be eligible for an insurance discount.
  • Anti-lock brakes. If your car came with a four-wheel anti-lock braking system, you may be eligible for a discount (ABS).

Discounts for young drivers with Safeco

  • Good student. Make sure you’re doing well in school to qualify for a student discount.
  • Driver training. State-approved driving education courses provide discounts on vehicle insurance for teenagers.
  • Distant student. Car insurance might be cheaper for your kid if they reside more than 100 miles away from home and have no insurance.
  • Newly independent. If your kid was previously insured by a Safeco policy (often their parents’), they may be eligible for a discount on their new Safeco policy.
  • New teen. After a year as a Safeco insured, you’ll save 27% on your teen’s insurance.
  • Tenure. If you’ve been a Safeco customer for more than two years and just added your adolescent to your insurance policy, you may be eligible for this discount.

Safeco Telematics:

Customers may use Safeco’s RightTrack telemetry service. The company tracks your driving behavior for a period of three months and uses that information to calculate your insurance prices. If you drive safely, you can save anywhere from 5% to 30% on your insurance rates, depending on your habits and those of others. However, the company’s website is ambiguous about how much you’ll save.

How to cancel Safeco Insurance

Terminate your Safeco Insurance coverage by calling 1-800-332-3226 to speak with a local Safeco representative or agent. Your insurance coverage may be canceled at any moment by your agent or representative. Whether you have to cancel your reservation, they can tell you if there are cancellation costs or if you’re entitled to a premium refund. Before canceling your current insurance, be sure you have a new policy in place.

The following points should be kept in mind while discontinuing your Safeco insurance:

  1. Give us your insurance number and any other information we need to help you.
  2. Request the cancellation of the contract as well as any recurring payments.
  3. Follow-up inquiries should be answered in an open and honest manner.
  4. Require the sending of a confirmation email.

Can I cancel Safeco Insurance in the middle of my policy term?

Yes. Safeco insurance may be canceled if it is no longer necessary. Instead of making you wait until the end of your policy term to cancel your coverage, Safeco lets you do so at any time throughout the policy period. You should still have a backup insurance in place before canceling your current one, despite this. Start comparing insurance quotes with Safeco before you split to prevent premium increases. Avoiding a fine from your state’s Department of Motor Vehicles may mean saving money on vehicle insurance.

Safeco online features

Safeco’s website is simple to use and clutter-free. The ability to pay bills, examine policy documentation, and add drivers to a policy is also available, as is the option to handle claims online.

Secure Mobile is the company’s app for smart phones and other mobile devices. People praise how easy it is to use, as well as how well it performs. Safeco customers may use this app to see whether they have enough insurance coverage, pay their premiums, deal with claims, and examine their policy documentation. Learn more about an app with the assistance of the following list of its features.

  • The app makes it simple to call Safeco Roadside Assistance.
  • You may use the app to document the damage and follow the progress of your claim using photographs.
  • Discover repair shops, book a mechanic’s appointment, and reserve a rental car.
  • Find out how much the repairs will cost and how your vehicle is doing.

Some states may not have access to the company’s RightTrack® telematics service and its accompanying app.

Visit our review of Safe Auto insurance Review for one more car insurance review.