Compare Amica Mutual vs. Safeco Insurance

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Safeco and Amica are two well-known names in the insurance world. Safeco was founded in 1923, and Amica was founded in 1907. Both companies offer a wide selection of auto discounts, but each has its respective weaker parts. Amica has a straightforward claims process, but is known to have faulty customer service.

On the other side, Safeco’s reasonable rates are a plus, while its follow-up process is a minus. Still, both companies have excellent financial strength ratings, yet Amica ranks superior to Safeco for 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

  Amica Mutual Safeco
Best If Amica Mutual
  • You want a straightforward claims process
Safeco
  • You want a lot of discounts on your home and auto policies
Worst If Amica Mutual
  • You’re relying on impeccable customer service
Safeco
  • You want fast and easy follow-up

Special Car Insurance Discounts

Amica Mutual Safeco
Amica Mutual

Legacy Discount is available to those under 30 and who have been with Amica under a family member’s insurance policy.

Anti-Theft Devices Discount is awarded to customers who install anti-theft devices like an alarm system, active or passive alarms, or vehicle recovery/tracking systems.

Electronic Stability Control Discount is available if your car has a factory-installed four-wheel electronic stability control system.

Platinum Choice Auto is another service offered by Amica that’s a bit more exclusive from the other discounts. With Platinum Choice, you can acquire multiple levels of security for your automobile all in one package. Some of the benefits of Platinum include being able to customize your package policy with individual coverage policies. These policies include Accident Forgiveness, Full Glass Coverage, Identity Fraud Monitoring, and Prestige Rental Coverage.

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 Amica Mutual Safeco
Multi-Car
Home and Car
Car and Life
Vehicle Type and Safety Features Amica Mutual 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 Amica Mutual Safeco
Accident Free/Good Driver
Prior Insurance
Long Term Policy Holder
Defensive Driving Course
Student, Professional, and Club Memberships Amica Mutual Safeco
Affinity Group
College Graduate
Good Student
Resident Student
Organization or Club Membership
Farm Bureau Member
Military
Special Circumstances Amica Mutual Safeco
Telematics Device
Low Mileage
Short Commute
Days Per Week Driven
Other Discounts Amica Mutual Safeco
Married
Paid in Full
Advance Renewal
Electronic Funds Transfer
Senior Driver
55 and Retired

Consumer Complaint Data

Amica Mutual Insurance Safeco Insurance
2016 29 152
2015 59 210
2014 66 274
2013 61 269

U.S. Auto Insurance Shopping Study (2016)

Amica Mutual Insurance Safeco Insurance
Overall Purchase Experience Above average Average
Policy Offerings Above average Average
Pricing Average Average
Local Agent Average Average
Call Center Representative Among the best Below average
Insurer Website -- --

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

Amica Mutual Insurance Safeco Insurance
Overall Satisfaction Among the best Average
First Notice of Loss Among the best Above average
Service Interaction Average Average
Appraisal Among the best Average
Repair Process Average Average
Rental Car Experience Below average Above average
Settlement Among the best Average

Financial Strength Ratings

Amica Mutual Insurance Safeco Insurance
A.M. Best A++ A
Moody's -- A2
S&P's A A-

Mobile Apps

Amica Mutual Safeco
Amica Mutual

Amica Mobile lets you access the company’s website from your mobile device. From there, you can make payments, file and track claims, view and save insurance ID cards, and get quotes. You can download Amica Mobile 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

Amica Mutual Safeco
Amica Mutual

Amica Roadside Assistance

Roadside Assistance is available from Amica thru a Towing and Labor coverage add on to your current auto policy. Regardless if you're purchased Towing and Labor coverage, Amica roadside assistance can still help you get service to your vehicle.

Roadside Services Covered

  • Towing (non-accident related)
  • Changing flat tires
  • Jump-start battery
  • Delivering fuel
  • Unlocking doors

Contact Phone Number

You can reach roadside assistance at 866-286-9968 to receive help on the road almost instantly. 

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.