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Safeco Car Insurance
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Looking to learn about Safeco Insurance? We’ve got you covered. Keep reading to find out about Safeco's pros and cons, discounts, customer reviews, and how they stack up against other insurers. Plus, we can help you compare car insurance quotes from top carriers like Safeco Insurance.
Best If
- You want a lot of discounts on your home and auto policies
Worst If
- You want fast and easy follow-up
By The Numbers
- Safeco offers insurance in all 50 states and Washington, D.C.
Reviews
- WalletHub.com
- Gave Safeco a rating of 4 out of 5 stars
- Many consumers raved about Safeco’s reasonable pricing and automatic renewal options
- However, some consumers criticized the company’s lack of follow-up on questions regarding policies
- Reviews.com
- Liked the company’s single loss deductible feature that lets customers pay a one-sum deductible if both home and automobiles are damaged in the same event
- Criticized its limited discounts and lack of ability to file a claim by methods other than a phone call
- Better Business Bureau
- BBB chose to attribute Liberty Mutual’s rating to Safeco since it is the owner of the insurance company; thus, Safeco has an A+ rating and has been BBB accredited since 1931
- Its length of time in business and response rate to complaints contributed to its high score
What Does a Policy Cost?
Consumer Satisfaction and Financial Strength Ratings
Consumer Complaint Data
Year
Total Complaints
Percent Change
2016
152
-28%
2015
210
2014
274
+2%
2013
269
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Source: National Association of Insurance Commissioners
J.D. Power ratings by region (out of 1000)
- California: 791 — about average
- Central: 815 — above average
- Florida: 793 — below average
- Mid-Atlantic: N/A
- New England: 771 — below average
- New York: N/A
- North Central: 776 — below average
- Northwest: 784 — below average
- Southeast: 782 — below average
- Southwest: 791 — below average
- Texas: N/A
U.S. Auto Insurance Shopping Study (2019)
Overall Purchase Experience
Average
Policy Offerings
Average
Pricing
Average
Local Agent
Average
Call Center Representativ
Below average
Insurer Website
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U.S. Auto Insurance Claims Satisfaction Study (2018)
Overall Satisfaction
Average
First Notice of Loss
Above average
Service Interaction
Average
Appraisal
Average
Repair Process
Average
Rental Car Experience
Above average
Settlement
Average
Source: J.D. Power
Typical Discounts
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: both your home and car are damaged by the same event. 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 you don't drive much, you may qualify for this discount and save up to 20 percent
- To qualify 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, you may be eligible to earn up to a 30 percent discount if you're a safe driver
Roadside Assistance
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
Hotline: 1-877-762-3101
Roadside assistance operates 24 hours a day, 7 days a week.
Mobile Apps
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.
History
Seattle’s Hawthorne K. Dent founded what is now known as Safeco Insurance in 1923. It was first called s the General Insurance Company of America. Over the years, “The General” spread its success across the country and down the West Coast.
In 1953, the company added a branch called Selective Auto and Fire Insurance Company of America, otherwise known as SAFECO. The key to the company’s success lied in its use of computer automation tools. The company later changed its name to Safeco Corporation.
Safeco has been a part of Liberty Mutual Insurance since 2008. Its focus today is personal insurance. But it still offers a comprehensive mix of coverage and policies to families seeking the best protection possible.
Claims Process
File a claim with Safeco Insurance here. Or call 1 (800) 332-3226.
After the accident and once you’re safe and sound, call Safeco immediately to file your claim. A representative will contact you within one business day to further assess your claim and gather more details.
Your damages will be assessed and you’ll receive estimates and repairs. Then, Safeco will guide you through the the claims process to ensure your claim goes as smoothly as possible.
Contact Information
Claims Site
Customer Service Site
Mailing Address:
*For documents and photos*
Safeco Insurance
PO Box 515097
Los Angeles, CA 90051
Customer Service Phone Number: 1 (800) 332-3226