Compare Allied vs. Safeco Insurance

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Safeco and Allied are both big names in the world of insurance. Safeco was founded in 1923, and Allied was founded in 1929. While Allied offers affordable rates and good insurance products, its customer service is subpar.

Meanwhile, Safeco carries a broad selection of auto insurance discount packages, but lacks fast and easy follow-up. Still, both companies have high financial strength and J.D. Power ratings.

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

  Allied Safeco
Best If Allied
  • You want practical and affordable insurance rates
Safeco
  • You want a lot of discounts on your home and auto policies
Worst If Allied
  • You’re looking for good customer service and as easy online payment system
Safeco
  • You want fast and easy follow-up

Special Car Insurance Discounts

Allied Safeco
Allied

Allied Extra

Bundling your home and auto insurance policies can grant you access to Allied Extra. It’s completely free and also another way to help you save money on your insurance policies. Features of Allied Extra include:

  • A single deductible
    • In the event that both your home and auto are affected, this feature allows you to only pay one deductible for a covered claim
  • Bonus emergency lockout coverage
    • If you find yourself locked out of your car, Allied Extra provides this coverage for locksmith charges
  • Bonus airbag replacement
    • Allied will pay for new airbags if yours deploy accidentally
  • Bonus accidental death benefit
    • You’ll be paid up to $10,000 in the event that you get into a fatal car accident with your insured vehicle

Allied Rewards

Allied Rewards provides you with even more discounts for your auto insurance, such as:

  • Forgiveness
    • If you’re a driver with a good driving history, Allied doesn’t see a reason to penalize you if a small accident occurs. Allied Rewards provides accident forgiveness for safe drivers.
  • Good-As-New
    • This coverage will help you pay off your loan and get a new car if your car gets totaled. To receive money to pay for a brand new vehicle, your totaled car must be three years old or younger.
  • Roadside Assistance
    • Allied Insurance will be there for you not only online but also out on the road. With roadside assistance, you can receive emergency help such as towing, lockout assistance, and jump starts so you’re never left behind.
  • Deductible savings rewards
    • You can get a significant deductible just by driving safely and being a loyal Allied customer. The Total Loss Deductible Waiver also makes it so that you don’t have to pay your deductible in the event that your car is totaled.
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 Allied Safeco
Multi-Car
Home and Car
Car and Life
Vehicle Type and Safety Features Allied 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 Allied Safeco
Accident Free/Good Driver
Prior Insurance
Long Term Policy Holder
Defensive Driving Course
Student, Professional, and Club Memberships Allied Safeco
Affinity Group
College Graduate
Good Student
Resident Student
Organization or Club Membership
Farm Bureau Member
Military
Special Circumstances Allied Safeco
Telematics Device
Low Mileage
Short Commute
Days Per Week Driven
Other Discounts Allied Safeco
Married
Paid in Full
Advance Renewal
Electronic Funds Transfer
Senior Driver
55 and Retired

Consumer Complaint Data

Allied Insurance Safeco Insurance
2016 4 152
2015 4 210
2014 3 274
2013 1 269

U.S. Auto Insurance Shopping Study (2016)

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

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

Allied 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

Allied Insurance Safeco Insurance
A.M. Best A+ A
Moody's A2 A2
S&P's AA A-

Mobile Apps

Allied Safeco
Allied

The Allied Mobile App lets you access all the details of your insurance policy from your mobile device. You can use it to file or view claims, pay your premiums, connect with your agent, and contact roadside assistance. To download the app for your smartphone, click here

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

Allied Safeco
Allied

Allied Rewards – Roadside Assistance

Allied Insurance will be there for you not only online but also out on the road. With roadside assistance, you can receive emergency help such as towing, lockout assistance, and jump starts so you’re never left behind.

Allied Roadside Assistance covers everyone insured on your policy, regardless if the car in trouble isn't listed on the policy. Allied offers a Basic and Plus roadside package that both include Cross Country Perks, giving drivers discounts on dining, entertainment, pets, travel and more.

Plus coverage comes with trip interruption coverage that kicks in when you're more than 100 miles from home and gives you an allowance for a rental car, lodging and food.

Roadside Assistance- Basic

(costs about $10 per 6 month policy period)

  • Towing up to 15 miles
  • Gas delivery
  • Lockout service
  • Jump starts
  • Flat tires
  • Cross Country Perks

Roadside Assistance – Plus

(costs about $20 per 6 month policy period)

  • Towing up to 100 miles
  • Trip interruption coverage
  • Turn-by-turn directions
  • Pre-trip map routing
  • Gas delivery
  • Lockout service
  • Jump starts
  • Cross Country Perks

Contact Phone Number

Call the Allied Roadside Assistance hotline: 800-282-1446

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.