Comparing quotes is the best way to get your lowest rates from top insurers like USAA and Safeco. QuoteWizard is an independent company that helps you find your right policy at your best rate.
Some of the most top-rated companies in the auto insurance industry are USAA and Safeco. USAA has amazing customers service and high customer satisfaction scores, unfortunately. But they only offer insurance to military members and their family.
On the other hand, Safeco has a nice variety of discounts for home and auto policies. But have a prolonged and difficult follow-up process. Nonetheless, both companies offer their customers 24/7 roadside assistance.
So which one offers the discounts, services, and customer ratings that best fit your car insurance wants and needs? Keep reading to find out.
| Best If |
USAA
|
Safeco
|
| Worst If |
USAA
|
Safeco
|
| USAA |
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 | USAA | Safeco |
|---|---|---|
| Multi-Car | ||
| Home and Car | ||
| Car and Life | ||
| Vehicle Type and Safety Features | USAA | 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 | USAA | Safeco |
| Accident Free/Good Driver | ||
| Prior Insurance | ||
| Long Term Policy Holder | ||
| Defensive Driving Course | ||
| Student, Professional, and Club Memberships | USAA | Safeco |
| Affinity Group | ||
| College Graduate | ||
| Good Student | ||
| Resident Student | ||
| Organization or Club Membership | ||
| Farm Bureau Member | ||
| Military | ||
| Special Circumstances | USAA | Safeco |
| Telematics Device | ||
| Low Mileage | ||
| Short Commute | ||
| Days Per Week Driven | ||
| Other Discounts | USAA | Safeco |
| Married | ||
| Paid in Full | ||
| Advance Renewal | ||
| Electronic Funds Transfer | ||
| Senior Driver | ||
| 55 and Retired |
| USAA Car Insurance | Safeco Car Insurance | |
|---|---|---|
| 2016 | 245 | 152 |
| 2015 | 415 | 210 |
| 2014 | 380 | 274 |
| 2013 | 270 | 269 |
| USAA Car Insurance | Safeco Car Insurance | |
|---|---|---|
| Overall Purchase Experience | Among the best | Average |
| Policy Offerings | Among the best | Average |
| Pricing | Among the best | Average |
| Local Agent | -- | Average |
| Call Center Representative | Among the best | Below average |
| Insurer Website | Among the best | -- |
| USAA Car 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 | Above average | Average |
| Rental Car Experience | Among the best | Above average |
| Settlement | Among the best | Average |
| USAA Car Insurance | Safeco Car Insurance | |
|---|---|---|
| A.M. Best | A++ | A |
| Moody's | Aaa | A2 |
| S&P's | AA+ | A- |
|
USAA
The USAA Mobile App lets you manage your insurance policies quickly and easily from your mobile device. The app has a touch fingerprint ID feature or voice recognition for a more secure login process. Use the USAA Mobile App to pay insurance premiums, transfer funds, and more. Download the USAA 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. |
USAA
USAA Roadside AssistanceUSAA Roadside Assistance is offered thru USAA Towing and Labor as a policy add-on. Only vehicles covered by USAA insurance are eligible. USAA contracts their roadside service with Cross Country Motor Club to help you in need of help. Roadside Services Covered
Contact Phone Number1 (866) 375—5374. |
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. |