Compare AIG vs. Safeco Insurance

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Safeco and AIG are both big companies in the world of insurance. Safeco was founded in 1923, and AIG was founded in 1919. AIG is ranked the #1 commercial insurer in the U.S. and Canada, and serves about 98 percent of the Fortune 500 companies. Meanwhile, Safeco has excellent financial strength and J.D. Power ratings, and also offers a wide range of auto discounts.

While AIG carries a broad selection of insurance products, its customer service and insurance agents are not good at building rapport with customers; likewise, Safeco lacks fast and easy follow-up during the claims process.

So which one offers the kinds of discounts, services, and even customer ratings that best fit your car insurance wants and needs? Keep reading to find out.

Best If/Worst If

  AIG Safeco
Best If AIG
  • You want a wide selection of insurance products
Safeco
  • You want a lot of discounts on your home and auto policies
Worst If AIG
  • You want to establish close, strong relationships with your insurance agent--the company is so big that forming connections can be difficult
Safeco
  • You want fast and easy follow-up

Special Car Insurance Discounts

AIG Safeco
AIG

AIG provides roadside services such as gas, oil, tire, or battery replacement. It also covers labor expenses and delivery costs up to a certain amount. 

Safeco

Safeco has a wide range of discounts that can help save you tons on your auto insurance policy.

Some of its basic discounts include the following:

  • Safeco Package
    • This discount combines three features: coverage, savings, and convenience.
    • Coverage
      • You can choose from an array of coverage options for both home and auto policies
      • Safeco also offers coverage enhancements like Equipment Breakdown Coverage or Roadside Assistance
    • Savings
      • The Safeco Package can save you up to 15 percent when you combine your home and auto policies
      • Single Loss Deductible
        • Picture this scenario: your home is damaged, and one of your vehicles is also damaged as part of the same event. If this ever happens, you may only have to pay a one lump sum deductible.
    • Convenience
      • You can choose between a six-month and annual auto policy
      • Combine billing statements for all your policies to take care of everything in one single place
      • Align renewal dates so you only have to keep track of one instead of multiple
  • Safeco Safety Rewards
    • With Safety Rewards, you can lower your insurance costs on the following conditions:
      • Diminishing Deductible: Your deductible will decrease every renewal period as long as there are no claims filed against your policy
      • Accident Forgiveness: After being with Safeco Insurance a certain number of years, the first accident is waived from your policy
      • Accident Prevention: Drivers aged 55 and older typically can complete an accident prevention course and thus be eligible for this discount
      • Teen Safety Rewards
        • These are to encourage your teen to drive more safely. Teens behind the wheel can earn discounts such as:
          • Good student discount
          • Driving training discount
          • Tips for teen drivers discount
  • Low Mileage Discount
    • If your car spends more time in your driveway or garage than it does out on the road, you may qualify for this discount and save up to 20 percent
    • The one condition is that you have to drive less than 8,000 miles a year
  • Safeco RightTrack
    • RightTrack is a small device that plugs into your vehicle and monitors your driving habits. Just by signing up for this discount, you can initially save 5 percent off your car insurance premium
    • After 90 days of using RightTrack, you may be eligible to earn up to a 30 percent discount if your driving habits have been great

Standard Car Insurance Discounts

Bundling Coverage Discounts AIG Safeco
Multi-Car
Home and Car
Car and Life
Vehicle Type and Safety Features AIG Safeco
Alternative Fuel
Electronic Stability Control (ESC)
Anti-Lock Brake
Anti-Theft
Passive Restraint
New Car
Economy Car
Utility Vehicle
Farm or Ranch Vehicle
Driving Record and Insurance History AIG Safeco
Accident Free/Good Driver
Prior Insurance
Long Term Policy Holder
Defensive Driving Course
Student, Professional, and Club Memberships AIG Safeco
Affinity Group
College Graduate
Good Student
Resident Student
Organization or Club Membership
Farm Bureau Member
Military
Special Circumstances AIG Safeco
Telematics Device
Low Mileage
Short Commute
Days Per Week Driven
Other Discounts AIG Safeco
Married
Paid in Full
Advance Renewal
Electronic Funds Transfer
Senior Driver
55 and Retired

Consumer Complaint Data

AIG Insurance Safeco Insurance
2016 11 152
2015 29 210
2014 22 274
2013 17 269

U.S. Auto Insurance Shopping Study (2016)

AIG Insurance Safeco Insurance
Overall Purchase Experience Average
Policy Offerings Average
Pricing Average
Local Agent Average
Call Center Representative Below average
Insurer Website --

U.S. Auto Insurance Claims Satisfaction Study (2015)

AIG Insurance Safeco Insurance
Overall Satisfaction Average
First Notice of Loss Above average
Service Interaction Average
Appraisal Average
Repair Process Average
Rental Car Experience Above average
Settlement Average

Financial Strength Ratings

AIG Insurance Safeco Insurance
A.M. Best A- A
Moody's A1 A2
S&P's A+ A-

Mobile Apps

AIG Safeco
AIG Safeco

Unfortunately, Safeco doesn’t have a mobile app for auto insurance, but it does have one for homeowners insurance.

The Safeco Home Inventory App lets you easily catalog all your valuables and belongings in your home. You can keep track of all your items by room or category, and view your inventory should something happen to your home. Download the app here.

Roadside Assistance

AIG Safeco
AIG Safeco

Safeco Roadside Assistance

Roadside Assistance with Safeco provides policy holders additional coverage for 24/7 roadside service. An insured car with roadside assistance coverage is eligible for services along with insured RV's and motorcycles.

Roadside Services Covered:

  • Towing
  • Flat tire
  • Battery service
  • Fuel and Fluids
  • Lockout

Contact Phone Number

Safeco Roadside Assistance Hotline: 1-877-762-3101

Roadside assistance operates 24 hours a day, 7 days a week.