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.
There are a few discounts unique to Esurance that stand out. We’ll provide you with more information on these discounts below.
This 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.
This discount saves you 10 percent off your premium if you pay the full amount instead of monthly payments.
This discount saves you up to 5 percent off your premium for the first two policy terms. You can get this discount when you switch to Esurance from your current insurer.
You can get this discount when you buy emergency road assistance from a different provider like AAA. It can can save you up to 5 percent on your premium.
You can get this discount if you attended or are an alum of a Pac-12 school.
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:
This discount combines three features: coverage, savings, and convenience.
The Safeco Package can save you up to 15 percent when you combine your home and auto policies
Picture this: both your home and car are damaged by the same event. You may only have to pay a one lump sum deductible.
With Safety Rewards, you can lower your insurance costs on the following conditions:
These are to encourage your teen to drive more safely. Teens behind the wheel can earn discounts such as:
Comparing quotes is the best way to get your lowest rates from top insurers like Esurance and Safeco. QuoteWizard is an independent company that helps you find your right policy at your best rate.
| 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 |
| Esurance Auto Insurance | Safeco Car Insurance | |
|---|---|---|
| 2016 | 48 | 152 |
| 2015 | 67 | 210 |
| 2014 | 47 | 274 |
| 2013 | 43 | 269 |
| Esurance Auto Insurance | Safeco Car 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 | -- |
| Esurance Auto Insurance | Safeco Car 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 |
| Esurance Auto Insurance | Safeco Car Insurance | |
|---|---|---|
| A.M. Best | A+ | A |
| Moody's | -- | A2 |
| S&P's | -- | A- |
Esurance
Esurance MobileThis app lets you take care of your insurance anytime and anywhere. View your insurance ID cards, file a claim, track claim status, and pay your premiums directly from your mobile device. Esurance Mobile makes managing your insurance fast, smart, and easy. Click here to download the app for iPhone or Android. |
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. |
Esurance
Esurance Emergency Road Service coverageEsurance offers free roadside assistance 24/7. The company pays up to $75 per incident toward:
Roadside assistance is free if you select comprehensive and collision coverage for a vehicle on your insurance policy. Emergency Road Service offers free rescue tracking. It uses your smartphone to give the service provider your exact location. It will also 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 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. |