- What is Safeco Insurance?
- How does Safeco Insurance work?
- How much does Safeco Insurance cost?
- Safeco Insurance features
- Who is Safeco best for?
- Who shouldn’t use Safeco?
- Pros & cons
- Safeco vs. competitors
- The bottom line
What is Safeco Insurance?
How does Safeco Insurance work?
How much does Safeco Insurance cost?
- Bodily Injury: $25k/$50k
- Property Damage: $20k
- Uninsured Motorist Bodily Injury: $25k/$50k
- Bodily Injury: $100k/$300k
- Property Damage: $50k
- Uninsured Motorist Bodily Injury: $100k/$300k
- Collision Deductible: $1k
- Comprehensive Deductible: $1k
Bundle policies to save
Lowering the auto premium
- Claims Free Cash Back: Don’t file a claim over its six-month review period and Safeco will mail you a check for 2.5% of your policy premium, up to 5% each year.
- Diminishing Deductible: Maintain a clean driving record and your deductible drops by $50 for a six-month auto policy and $100 for an annual policy, for up to five years or $500.
- Guaranteed Repair Network: Select a repair shop in Safeco’s Guaranteed Repair Network for your car and the repair is guaranteed.
- Accident forgiveness: The first accident on your policy is waived after a set number of years without an at-fault collision or violation.
Safeco Insurance features
- Collision: Your vehicle hits another vehicle or an object on the road.
- Comprehensive: Your car has been stolen.
- New vehicle replacement: If you’re the original owner of a car less than one year older and fewer than 15,000 miles that has been totaled or stolen, it will pay you the value of a comparable new car.
- Rental car reimbursement: Get help paying the cost of renting a car while yours is being repaired after a covered loss.
- 24-hour roadside assistance: Get towed to the nearest qualified repair shop and other basic services, such as changing a flat tire, delivering gas or oil, and sending out a locksmith if you’re locked out of your car.
Safe driving habits app
Other types of autos covered
- Boats and other watercraft
- Classic cars
- Recreational vehicles
- ATV and off-road vehicles
- Golf carts and low-speed vehicles
Who is Safeco best for?
You want personalized service
Who shouldn’t use Safeco?
You expect high customer satisfaction
You want lots of discounts
Pros & cons
- Safe drivers rewarded. Safeco automatically gives drivers who are claims-free over a six-month review period a check for 2.5% of their policy premium, up to 5% annually. It also lowers the collision deductible at every renewal if there are no claims filed against a policy. It can drop for up to 5 years or until the $500 maximum is reached. Safe drivers can use RightTrack to monitor their driving habits for 3 months, when they can qualify for premium discounts of up to 30%.
- Affordable rates. Safeco’s insurance policies are set at rates that are affordable for most people, according to various reviews. Some insurers offer lower rates, but check on the services they offer and discounts to make sure you’re making equal comparisons.
- Customer service. Safeco has received below-average customer service reviews, though it varies by region.
- Not online only. This may not be a downside for some people, but if you want to take care of all of your insurance needs online only, then a Safeco policy may not be for you. Its website seems easy to navigate and claims can be filed online, but new customers must first deal with an independent agent to sell them a policy.
Safeco vs. competitors
|Insurer||J.D. Power ratings||A.M. Best ratings||Multiple discounts|
Safeco vs. GEICO
Safeco vs. Allstate
The bottom line
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