Safeco Car Insurance Review 2024

Safeco Car Insurance Review

Safeco Car Insurance Review 2024 Safeco is a good choice for safe drivers as it provides discounts for being claims-free, a decreasing deductible, and an option for usage-based insurance (RightTrack). However, Safeco has a slightly higher complaint level compared to the industry average. Looking for reliable car insurance that will give you peace of mind on the road? Look no further than Safeco Car Insurance. In this review, we’ll take a closer look at what makes Safeco a top choice for drivers in 2024. From their comprehensive coverage options to their exceptional customer service, we’ll explore why Safeco is a trusted name in the industry. So buckle up and get ready to learn everything you need to know about Safeco Car Insurance.

Safeco Car Insurance Review 2024

Safeco Car Insurance is a reputable insurance provider that offers a comprehensive range of coverage options for drivers. With a strong financial stability rating and positive customer reviews, Safeco is a reliable choice for those looking for car insurance. Their policies include standard coverage such as liability, collision, and comprehensive, as well as additional options like roadside assistance and rental car reimbursement. Safeco also offers discounts for safe driving, multi-policy bundling, and more. Overall, Safeco Car Insurance is a solid option to consider when shopping for auto insurance in 2024.

Safeco Car Insurance Pros And Cons

Safeco car insurance has both pros and cons that should be considered before making a decision. One of the main advantages of Safeco car insurance is its comprehensive coverage options, which can provide peace of mind knowing that you are protected in various situations. Additionally, Safeco offers a range of discounts that can help lower your premium, such as safe driver discounts and multi-policy discounts. On the downside, some customers have reported issues with customer service and claims handling, which can be frustrating when dealing with an accident or other issues. It is important to weigh these factors and consider your individual needs before choosing Safeco car insurance.

Pros

  • Offers benefits that can be handy after an accident, such as new car replacement and accident forgiveness.
  • Safeco offers rideshare insurance for drivers of companies such as Uber or Lyft.
  • Provides specialty coverage such as non-owner, SR-22 and gap insurance.

Cons

  • Safeco received a very poor grade of D+ for its collision repair process by collision repair professionals

About Safeco Car Insurance

Safeco was established in 1923 in Seattle under the name General Insurance Co. of America and was affectionately called The General. Over time, the company rebranded as Safeco (which stands for Selective Auto and Fire Insurance Co. of America) and discontinued The General nickname. In 2008, Liberty Mutual acquired Safeco.

What States Does Safeco Car Insurance Operate In?

Safeco is a car insurance provider that offers its services in all 50 states of the United States and Washington, D.C. This means that no matter where you reside in the country, you can rely on Safeco for your auto insurance needs. With its wide coverage area and range of policy options, Safeco is a popular choice among drivers looking for comprehensive car insurance coverage.

Safeco Car Insurance

Safeco provides the usual coverage options found at other car insurance companies, along with additional features like custom equipment coverage, emergency assistance, and pet injury coverage.

Liability Car Insurance

In the event that you cause an accident in which someone is injured or their property is damaged, your liability car insurance will cover the related expenses, including legal fees if a lawsuit is filed. This coverage includes bodily injury liability and property damage liability.

Comprehensive Insurance

Comprehensive insurance provides protection for non-collision related damage such as theft, vandalism, fire, floods, hail, falling objects, and animal collisions. The maximum payout is the car’s actual cash value minus the deductible if it is totaled.

Collision Insurance

Collision coverage provides compensation for vehicle damage resulting from an accident, regardless of fault, as well as damage caused by hitting an object. The maximum payout for collision coverage is the actual cash value of the car, minus the deductible. Collision and comprehensive insurance are optional coverage types often sold together and may be required by leasing companies or lenders for those with a lease or car loan.

Uninsured/Underinsured Motorist Insurance

In certain states, the purchase of uninsured motorist insurance is mandatory, while in others it is optional. This type of insurance offers extra coverage for injuries to you and your passengers if you are hit by a driver without insurance or with insufficient coverage. Additionally, in some states, you can obtain coverage for car damage caused by an uninsured driver.

Personal Injury Protection (PIP)

Personal injury protection (PIP) covers the medical expenses and hospital bills for you and your passengers, regardless of fault in the accident. It is mandatory in no-fault insurance states and can be chosen in other states.

Medical Payments Insurance (MedPay)

Medical payments insurance, also known as Medpay, provides coverage for medical costs up to the specified policy limits for individuals injured while inside your vehicle, regardless of fault. This includes expenses for ambulance transportation, X-rays, surgical procedures, and nursing care.

Other Car Insurance Coverage Types

Aside from the standard types of car insurance coverage like liability, collision, and comprehensive coverage, there are several other options available that can provide additional protection. One of these is uninsured motorist coverage, which safeguards you in case you get into an accident with a driver who has no insurance. Personal injury protection (PIP) is another type of coverage that pays for medical expenses and lost wages regardless of who was at fault in an accident. Gap insurance is also available to cover the difference between what you owe on your car and its actual value in case it gets totaled. It is important to evaluate your specific needs and budget before choosing which additional coverage types to add to your policy. In addition to the standard coverage types above, you’ll find these car insurance coverage types at Safeco:

Custom equipment coverage

This covers equipment you add to your vehicle to modify its performance or appearance, such as custom wheels, engines and roll bars.

Emergency assistance

If you purchase this coverage, Safeco provides up to $500 for hotels, meals and transportation and $100 for incidental expenses if you’re in an accident more than 25 miles from home and unable to drive your car.

First-aid reimbursement

If you administer first aid to another person injured in an accident covered by your policy, Safeco provides reimbursement for any related costs incurred, up to $10,000.

Non-owner insurance

Non-owner car insurance is a liability policy for drivers who don’t own a vehicle but need car insurance—for instance, if you frequently rent cars or you’re required by the state to have auto insurance (such as an SR-22).

Pet injury coverage

If you have collision insurance, pet injury insurance from Safeco provides up to $500 for vet costs or burial expenses if your dog or cat is injured in an accident that’s covered by your policy.

Rental reimbursement

Safeco will reimburse you for the expense of a rental car while your vehicle is being fixed due to an issue covered by your policy, like a car accident.

24-hour roadside assistance

This service includes flat tire changes, fuel delivery and towing.

Compare with other insurers

Safeco

Progressive

Geico

Star rating

3.5

NerdWallet rating 

5.0

NerdWallet rating 

4.5

NerdWallet rating 

NAIC complaints

Close to the expected number.

Fewer than expected.

Close to the expected number.

Discounts

Average set of discounts.

Great set of discounts.

Great set of discounts.

Ease of use

Average.

Above average.

Average.

Bottom line

Safeco auto policies offer some unique features, such as accident forgiveness, but the insurer falls short in customer service.

Progressive offers a variety of discounts and insurance products to cater to most people, though there’s room for improvement with customer satisfaction.

With nationwide availability and a raft of discounts, Geico is a popular, and often affordable, choice for car insurance.

Read our detailed reviews

Auto Insurance Complaints Against Safeco

Safeco’s auto insurance receives a level of complaints that is slightly above the national average, with more complaints than its top competitors. These complaints often involve delays in claims, inadequate settlement offers, and the handling of claims by adjusters.

Safeco’s Grade from Collision Repair Professionals: D+

According to a survey conducted by CRASH Network, Safeco received a D+ grade from collision repair professionals. CRASH Network’s Insurer Report Card collects grades from over 1,000 collision repair professionals to assess auto insurers based on the quality of their collision claims service. The insights of auto body repair specialists are highly valuable as they offer an insider’s perspective on insurance companies’ utilization of lower-quality repair parts, encouragement of proper repair procedures, and the efficiency of car insurance companies’ claims processes for customers.

What Does Safeco Car Insurance Cover?

Safeco car insurance covers a range of incidents and damages that may occur to your vehicle. Some common coverages include liability coverage for bodily injury and property damage, collision coverage for damages resulting from a collision with another vehicle or object, comprehensive coverage for damages caused by non-collision events such as theft, fire, or natural disasters, and personal injury protection for medical expenses and lost wages resulting from an accident. Safeco car insurance also offers optional add-ons such as rental car reimbursement and roadside assistance to provide additional support in case of emergencies. It is important to review your policy carefully to understand the specific coverage options available to you.

Does Safeco Offer Accident Forgiveness?

Certainly, Safeco car insurance provides coverage for accident forgiveness insurance, which means that your first accident on a Safeco policy is forgiven after a certain number of years of Safeco coverage if you have not had an at-fault accident or moving violation.

Does Safeco Offer New Car Replacement Insurance?

Safeco car insurance provides new car replacement coverage, which means they will pay for a similar new car if your car, which is less than one year old and has fewer than 15,000 miles, is totaled or stolen and you are the original owner.

Does Safeco Offer Gap Insurance?

Safeco provides gap insurance, which covers the shortfall between your car loan or lease balance and the value of your vehicle if it is stolen or totaled.

Does Safeco Offer a Diminishing Deductible?

Certainly, Safeco provides a diminishing deductible feature. If you maintain a good driving record, your deductible will decrease by $50 for a six-month policy or $100 for an annual policy upon policy renewal, with a maximum reduction of five years or $500.

Does Safeco Offer SR-22s?

Certainly, Safeco provides SR-22 insurance, which may be necessary in certain situations as per state requirements to demonstrate proof of car insurance. The specific reasons for needing an SR-22 can differ by state and typically involve factors such as causing an accident without insurance, a DUI conviction, or a significant number of traffic violations.

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Safeco Car Insurance Discounts

Claims-free discount

IIf you do not make any claims for six months, Safeco will mail you a check that equals 2.5% of your policy premium. You can get a maximum of 5% of your premium annually through this benefit.

Diminishing deductible

By keeping a clean driving record, you can receive a $50 deduction on your deductible for a six-month auto policy or a $100 deduction for an annual auto policy at each renewal. The maximum benefit is either five years or $500.

Multi-policy discount

Safeco offers a discount for bundling multiple types of policies, such as auto and home insurance.

Safe driving course discount

If you finish an accident prevention course, you might qualify for a discount.

Vehicle safety features

Safeco may offer you a discount if your vehicle has specific safety features like anti-lock brakes.

More Insurance from Safeco

In addition to auto insurance, Safeco offers coverage for:

  • Classic car insurance
  • Golf cart insurance
  • Motorcycle insurance
  • ATV and off-road vehicle insurance
  • RV insurance
  • Watercraft insurance
  • Homeowners insurance
  • Condo insurance
  • Renters insurance
  • Umbrella insurance
  • Pet insurance
  • Identity theft insurance
  • Landlord insurance

Safeco Car Insurance Review 2024 Faqs

Does Safeco offer accident forgiveness?

Yes, Safeco has accident forgiveness for your first crash as long as you haven’t had a claim for a certain amount of time. Eligibility varies by state (not available in California).

How can I buy auto insurance from Safeco?

You can buy an auto insurance policy and get a quote only through an independent agent. You can find an agent through the Safeco website.

How do I file a claim with Safeco?

You can file a claim online, with your agent or through the Safeco app.

How can I contact Safeco Insurance?

Website: safeco.com.

Customer service number: 800-332-3226.

Email: Safeco Insurance does not provide an email address.

Is Safeco good at paying claims?

Safeco is less reliable than the average insurance company. While Safeco’s financial strength is above average, according to AM Best, its claims process and its customer satisfaction are less-than-ideal, according to analysis from J.D. Power and the NAIC.

Who is the top 10 insurance company?

Top 10 Largest Auto Insurance Companies

  • State Farm. 16.84% 9.4.
  • Geico. 14.05% 9.1.
  • Progressive. 13.76%
  • Allstate. 10.69% 8.8.
  • USAA. 5.92% 9.2.
  • Liberty Mutual. 4.95%
  • Farmers Insurance. 4.55% 8.6.
  • Travelers. 2.11% 9.5.

What is Safeco AM Best rating 2023?

Car insurance with Safeco is available nationwide, but you will need to connect with an independent insurance agent to get a quote and purchase a policy. Safeco has an A rating (Excellent) from AM Best for financial strength.

What insurance company is most reliable?

Here are Forbes Advisor’s expert picks for the best car insurance of 2024

  • Nationwide: Best Overall.
  • Erie: Best for Collision Repairs.
  • Travelers: Great for Drivers With a Speeding Ticket.
  • USAA: Best for Military Members and Veterans.
  • Progressive: Best for Drivers With a DUI.
  • Auto-Owners: Best for New Cars.

Summary

Highlights. Safeco is suitable for safe drivers—it offers a discount for being claims-free, a diminishing deductible and a usage-based insurance option (RightTrack). However, Safeco’s complaint level is slightly higher than the industry average. Safeco Car Insurance offers comprehensive coverage options and excellent customer service, making it a top choice for drivers looking for reliable and affordable car insurance. With its competitive rates and customizable policies, Safeco provides peace of mind on the road. Whether you’re a seasoned driver or a new one, Safeco has you covered. If you’re in the market for car insurance, consider Safeco as your trusted partner in protecting your vehicle and ensuring your safety on the road.

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