Compare Esurance vs. Safeco Insurance

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Esurance and Safeco are two big names when it comes to auto insurance. Esurance was founded in 1999, and Safeco was founded in 1923. Both companies offer an extensive discounts list, Safeco Insurance especially has a broad selection of discounts and packages that all contain ways to save money on auto premiums. While Esurance has been criticized for its limited payment options and local agents, Safeco Insurance has received negative reviews about its follow-up and claims process.

However, Esurance has an incredibly strong online platform, and both companies rank high financial and 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

  Esurance Safeco
Best If Esurance
  • You want low rates, straightforward prices, and strong online tools
Safeco
  • You want a lot of discounts on your home and auto policies
Worst If Esurance
  • You want excellent roadside assistance
Safeco
  • You want fast and easy follow-up

Special Car Insurance Discounts

Esurance Safeco
Esurance

There are a few discounts unique to Esurance that stand out. We’ll provide you with more information on these discounts below.

Fast 5 Discount gives you 5 percent off of your first-term premium for auto insurance. All you have to do to get this discount is start a quote online at esurance.com.

Paid-in-Full Discount saves you 10 percent off your premium if you choose to pay the full amount as opposed to in monthly increments.

Switch & Save Discount saves you up to 5 percent off your premium and is available for the first two policy terms. You can obtain this discount simply by switching to Esurance from your current insurance company.

Emergency Road Assistance Discount is available when you buy emergency road assistance from a different provider, such as AAA. This discount can save you up to 5 percent on your premium.

Pac-12 Discount is only available to those who have attended or are an alum of the Pac-12 schools. Find out more about this unique discount here.

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

Consumer Complaint Data

Esurance Safeco Insurance
2016 48 152
2015 67 210
2014 47 274
2013 43 269

U.S. Auto Insurance Shopping Study (2016)

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

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

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

Financial Strength Ratings

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

Mobile Apps

Esurance Safeco
Esurance

The Esurance Mobile app lets you take care of your insurance anytime and anywhere. View your insurance ID cards, track the status of any claims you made, file a claim, and pay your premiums directly from your mobile device. Esurance Mobile makes managing your insurance fast, smart, and easy. To download the app for iPhone or Android, 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

Esurance Safeco
Esurance

Esurance Emergency Road Service coverage

Esurance offers free roadside assistance 24/7. The company pays up to $75 per incident toward:

  • Towing
  • Tire changes
  • Gas, oil, and water delivery
  • Battery services
  • Lockout service

Roadside assistance is free if you select comprehensive and collision coverage for a vehicle on your insurance policy.

Emergency Road Service offers free rescue tracker that uses your smartphone to give the service provider your exact location and give you updates on their ETA.

Emergency Road Service is only eligible for Esurance covered vehicles.

Roadside Assistance Phone: 1 (888) 374-6472

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.