Comparing quotes is the best way to get your lowest rates from top insurers like Amica Mutual and Safeco. QuoteWizard is an independent company that helps you find your right policy at your best rate.
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 |
Amica Mutual
|
Safeco
|
| Worst If |
Amica Mutual
|
Safeco
|
Amica Mutual
Legacy Discount.For drivers under 30 who have been with Amica under a family member’s insurance policy. Anti-Theft Devices Discount.This discount is given to customers who install anti-theft devices. For example, an alarm system, active or passive alarms, or vehicle recovery/tracking systems. Electronic Stability Control Discount.For cars with four-wheel electronic stability control system. Platinum Choice Auto.Another service offered by Amica that’s a bit more exclusive from the other discounts. With Platinum Choice, you can get multiple levels of security for your car all in one package. Some of the benefits of Platinum include being able to customize your package policy with single 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 PackageThis discount combines three features: coverage, savings, and convenience. Coverage
SavingsThe Safeco Package can save you up to 15 percent when you combine your home and auto policies Single Loss DeductiblePicture this: both your home and car are damaged by the same event. You may only have to pay a one lump sum deductible. Convenience
Safeco Safety RewardsWith Safety Rewards, you can lower your insurance costs on the following conditions:
Teen Safety RewardsThese are to encourage your teen to drive more safely. Teens behind the wheel can earn discounts such as:
Low Mileage Discount
Safeco RightTrack
|
| 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 |
| Amica Mutual Auto Insurance | Safeco Car Insurance | |
|---|---|---|
| 2016 | 29 | 152 |
| 2015 | 59 | 210 |
| 2014 | 66 | 274 |
| 2013 | 61 | 269 |
| Amica Mutual Auto Insurance | Safeco Car 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 | -- | -- |
| Amica Mutual Auto Insurance | Safeco Car 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 |
| Amica Mutual Auto Insurance | Safeco Car Insurance | |
|---|---|---|
| A.M. Best | A++ | A |
| Moody's | -- | A2 |
| S&P's | A | A- |
|
Amica Mutual
Amica Mobile. This app helps you access the company’s website from your mobile device. Use it to make payments, file and track claims, view and save insurance ID cards, and get quotes. You can download Amica Mobile app here. |
Safeco
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. View your inventory should something happen to your home. |
Amica Mutual
Amica Roadside AssistanceRoadside Assistance is part of Amica's Towing and Labor coverage add-on to your current auto policy. Even without Towing and Labor coverage, Amica roadside assistance can still help you get service to your car. Roadside Services Covered
Contact Phone NumberCall 866-286-9968 to receive help on the road right away. |
Safeco
Safeco Roadside AssistanceRoadside 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:
Contact Phone NumberHotline: 1-877-762-3101 Roadside assistance operates 24 hours a day, 7 days a week. |