Liberty Mutual and Safeco are two top-rated companies in the insurance world. Partly due to the fact that they are interconnected companies. However, Safeco did not become a part of Liberty Mutual until 2008.
Both companies have their strengths and weaknesses. For instance, Liberty Mutual is well liked for their better car replacement service, and Safeco is well liked for their plethora of of auto and home insurance discounts.
On the flip side, Safeco only allows customers to file claims over the phone, while Liberty Mutual lacks 24-hour customer service support and breakdown coverage. Being interconnected companies they both still have excellent financial strength.
When you combine policies with Liberty Mutual, you can receive special discounts for bundling and thus save more money.
The discount does just as it says. For customers who have multiple cars on one policy, Liberty Mutual aims to provide the best value. This helps make managing your auto insurance as stress-free as possible.
Liberty Mutual has partnerships with more than 14,000 groups. Being a member of any one of them could make you eligible for a discount with the insurance company.
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 Liberty Mutual and Safeco. QuoteWizard is an independent company that helps you find your right policy at your best rate.
| Bundling Coverage Discounts | Liberty Mutual | Safeco |
|---|---|---|
| Multi-Car | ||
| Home and Car | ||
| Car and Life | ||
| Vehicle Type and Safety Features | Liberty 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 | Liberty Mutual | Safeco |
| Accident Free/Good Driver | ||
| Prior Insurance | ||
| Long Term Policy Holder | ||
| Defensive Driving Course | ||
| Student, Professional, and Club Memberships | Liberty Mutual | Safeco |
| Affinity Group | ||
| College Graduate | ||
| Good Student | ||
| Resident Student | ||
| Organization or Club Membership | ||
| Farm Bureau Member | ||
| Military | ||
| Special Circumstances | Liberty Mutual | Safeco |
| Telematics Device | ||
| Low Mileage | ||
| Short Commute | ||
| Days Per Week Driven | ||
| Other Discounts | Liberty Mutual | Safeco |
| Married | ||
| Paid in Full | ||
| Advance Renewal | ||
| Electronic Funds Transfer | ||
| Senior Driver | ||
| 55 and Retired |
| Liberty Mutual Auto Insurance | Safeco Car Insurance | |
|---|---|---|
| 2016 | 160 | 152 |
| 2015 | 267 | 210 |
| 2014 | 235 | 274 |
| 2013 | 187 | 269 |
| Liberty Mutual Auto Insurance | Safeco Car Insurance | |
|---|---|---|
| Overall Purchase Experience | Among the best | Average |
| Policy Offerings | Among the best | Average |
| Pricing | Above average | Average |
| Local Agent | Among the best | Average |
| Call Center Representative | Above average | Below average |
| Insurer Website | Average | -- |
| Liberty Mutual Auto Insurance | Safeco Car Insurance | |
|---|---|---|
| Overall Satisfaction | Average | Average |
| First Notice of Loss | Average | Above average |
| Service Interaction | Average | Average |
| Appraisal | Average | Average |
| Repair Process | Average | Average |
| Rental Car Experience | Average | Above average |
| Settlement | Average | Average |
| Liberty Mutual Auto Insurance | Safeco Car Insurance | |
|---|---|---|
| A.M. Best | A | A |
| Moody's | A2 | A2 |
| S&P's | A | A- |
|
Liberty Mutual
Liberty Mutual has a quite a few mobile apps to choose from for managing your car insurance. The Liberty Mutual Mobile App includes all the features and services of the company’s website. You can use it to:
You can also use it to record details of your incident and get your claim process started. The Liberty Mutual CarZen App is mainly geared for Apple devices, and is a powerful tool for car shopping. Use it to research any type of car, see its details with hi-res photos and read thorough reviews. CarZen makes car shopping simple and hassle-free. The Home Gallery App allows you to log all your personal items into one mobile database. You’ll have a complete home inventory you can access in the event of theft or damage to your home. Click here for more information and to download any of the Liberty Mutual mobile apps. |
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. |
Liberty Mutual
Liberty Mutual 24-Hour Roadside AssistanceTowing & Labor coverage on the policy. Collision/comprehensive covers this first but Towing & Labor kicks in if driver doesn’t have collision/comprehensive coverage Roadside Services covered
Contact Phone NumberLiberty Mutual’s Emergency Roadside Assistance is available through its mobile app, or by calling 1 (800) 426-9898. Click here to go to the Liberty Mutual Roadside Assistance website. |
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. |