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Friday, December 1, 2023

Safeco Auto Insurance Review 2023

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Safeco Auto Insurance received a score of 3.5 out of 5 for its overall performance including customer satisfaction or claims. Our team collect all data and considers how customers feel about Safeco Insurance with any complaints reported to the National Association of Insurance Commissioners, and the financial strength ratings.

Safeco Insurance offers for car insurance for personal vehicles and other things. Liberty Mutual that owns Safeco and you know that is a largest insurance company with 6th ranks in auto insurance.

Read | Best Car Insurance Companies 2023

About “Safeco Auto Insurance”

Safeco is a part of Liberty Mutual and provides different kinds of insurance, like car, home, renters, umbrella, and pet insurance. They also offer insurance for various vehicles, such as motorcycles, RVs, boats, golf carts, and ATVs.

Safeco only sells its insurance through local agents in all 50 states and Washington, D.C.

Multiple discounts for good driversQuotes cannot be completed online
Widely available across U.S.

How does Safeco auto insurance work?

Safeco is supported by Liberty Mutual. They collaborate with local independent agents to assist with policy management and claims. While you have the flexibility to tailor your policy to meet your specific auto insurance needs then you can choose Safeco’s regular car insurance policy includes minimum liability coverage and other legally mandated coverage. It also provides coverage in the event of an accident when someone else is driving your vehicle.

Safeco auto insurance quotes

Safeco does not publicly display its car insurance prices on its website but you can request online quote through their website. You can obtain a car insurance quote or buy a policy from Safeco, you’ll need to contact with an insurance agent. Safeco agent will guide you through the application process, assist with any inquiries or issues and be your main contact during your policy period. Safeco’s website can help you locate a nearby agent to start the process. Safeco’s quotes also help you find ways to save on your insurance costs.

Safeco auto insurance cost

We don’t have enough information Safeco auto insurance average cost. Every driver rates are different and its depend on your location, age, credit score and driving record. It’s is best method to contact a local independent agent to get Safeco quotes tailored to your situation for a fair price comparison.

Safeco auto insurance coverage

When you’re looking for car insurance it’s confusion time to know what kind of coverage you need and what you have to get. In many states there’s a minimum insurance amount you need to drive legally. If you want more protection then you might consider getting full coverage insurance. You should learn about the usual types of car insurance coverage to understand how they provide protection.

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In addition to the Safeco offers auto insurance coverage includes:

Liability Coverage: Liability Coverage helps cover costs if you’re responsible for an accident. It pays for damage to other people’s vehicles or property and their medical bills.

Collision Coverage: If your car gets damaged in an accident, Safeco’s collision coverage helps pay for the repairs or even a replacement.

Comprehensive Coverage: This part of the policy covers damage to your car that isn’t caused by a collision. It includes things like theft, vandalism, and damage from natural disasters.

Furthermore, depending on your state then you have the more option to from various coverage including:

  1. Rideshare coverage: If you work for ride-sharing companies like Uber or Lyft, your personal policy may not cover you while you wait for a ride request. Safeco’s rideshare coverage bridges that gap to provide protection during this waiting period.
  2. New car replacement: If your car is less than a year old and has less than 15,000 miles and is totaled or stolen, Safeco will cover the cost of replacing it with a similar new vehicle.
  3. Better car replacement: This coverage pays for a car that’s one model year newer than your own if your vehicle is totaled.
  4. Original parts replacement: In the event of a collision or comprehensive claim, this option covers the cost of new, factory-original parts for your car.
  5. Rental car reimbursement: It covers the expense of renting a vehicle while your car is being repaired after a covered accident.
  6. Personal property coverage: This provides compensation if your belongings are damaged in an accident or stolen from your car. Typically, renters or homeowners insurance may also cover this.
  7. Gap coverage: In the case of your car being totaled or stolen then Safeco Gap Insurance will cover the difference between the remaining balance on your loan or lease and your car’s value.
  8. Electronic key and lock replacement: This pays for the replacement of lost or stolen electronic keys, remote control pads, and locks with no deductible.
  9. CD and DVD replacement: If your audiovisual media like DVDs, CDs, and videotapes are damaged or stolen, this option provides compensation.
  10. Custom equipment coverage: It protects non-factory or dealership-installed equipment, such as custom audiovisual equipment, modified engines, roll bars, custom wheels, murals, and decals.
  11. Pet coverage: This option covers veterinary expenses or provides a death benefit if your cat or dog is injured or dies in a collision.
  12. Emergency assistance package: It covers roadside assistance, meals, lodging during emergencies, and includes personal property coverage.

Discount Offer for Safeco Insurance Customers

Auto insurance discounts can vary based on specific criteria and may differ among insurance companies. Safeco offers several discount options including:

  1. Multi-vehicle discount: Insuring more than one vehicle with Safeco can make you eligible for a multi-vehicle discount.
  2. Accident forgiveness: if you drive without causing an accident or breaking traffic rules for a certain number of years, Safeco won’t count your first accident against you, and you won’t face higher insurance rates as a result.
  3. Claims-free cashback: If you have a claims-free record for six months, Safeco will send you a check for 2.5% of your policy premium automatically, with the potential to earn up to 5% per year. Note that this may not be available in all states.
  4. Safety features discount: If your vehicle is equipped with specific safety features like anti-lock brakes or anti-theft systems, you might qualify for premium savings.
  5. RightTrack discount: RightTrack is a telematics feature that tracks your driving habits through a device or app in your vehicle. It rewards safe driving practices and could result in savings of up to $513 per year. Additionally, you’ll receive a discount just for enrolling in the program.

Complaints and customer satisfaction

In the past three years, Safeco received a number of complaints about its auto insurance that was in line with what is typically expected for a company of its size, as reported by the National Association of Insurance Commissioners.

In J.D. Power’s 2022 customer satisfaction studies, Safeco’s rankings were below average in terms of auto insurance shopping and auto insurance claims satisfaction.

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2022 J.D. Power studySafeco ranking
Auto insurance shoppingNo. 10 of 11 companies.
Auto insurance claims satisfactionNo. 15 of 21 companies.

Other insurance from Safeco

Other insurance products available from Safeco:

  • Motorcycle insurance.
  • Umbrella insurance.
  • Renters insurance.
  • Landlord protection insurance.
  • Condo insurance.
  • Recreational vehicle, or RV, insurance.
  • Boat and watercraft insurance.
  • Classic car insurance.
  • All-terrain vehicle, or ATV, and off-road vehicle insurance.
  • Golf cart and low-speed vehicle insurance.
  • Pet insurance.


What does Safeco Auto Insurance cover?

Safeco Auto Insurance offers a range of coverage options including liability, collision, comprehensive, and additional options like rideshare coverage and personal property coverage.

How do I get a quote from Safeco for auto insurance?

You can request a quote from Safeco by contacting a local independent agent.

Are there any discounts available with Safeco Auto Insurance?

Yes, Safeco offers various discounts, such as multi-vehicle discounts, claims-free cashback, safety features discounts, and RightTrack telematics discounts.

What is accident forgiveness with Safeco?

Accident forgiveness means that if you’ve been accident-free for a certain number of years, Safeco won’t raise your rates after your first accident.

How does the RightTrack program work?

The RightTrack program uses telematics to track your driving habits. By participating these you get some discounts on your auto insurance based on your safe driving practices.

How do I report a claim with Safeco Auto Insurance?

You can report a claim to Safeco by contacting their claims department call (800) 332-3226 which is available 24/7.

Are Safeco’s auto insurance rates competitive?

Safeco’s rates can vary based on factors like location, age, and driving history. It’s advisable to get a personalized quote to assess the competitiveness of their rates.

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What is Safeco’s customer satisfaction rating for auto insurance?

According to J.D. Power’s 2022 customer satisfaction studies, Safeco’s customer satisfaction ratings were below average for both auto insurance shopping and auto insurance claims satisfaction.

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