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Safeco Auto Insurance

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Safeco Auto Insurance

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in Auto Insurance from Safeco

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Financial Strength Rating A

Safeco Auto Insurance Review

Where does Safeco Auto Insurance do business?

Safeco is an insurance carrier based in Seattle, WA. The company was founded in 1923 and offers auto insurance in 45 states in the USA.

If you're considering whether Safeco Auto Insurance is a good option for you, read on.

How does Safeco Auto Insurance compare to other auto insurance companies?

Pros & Cons of Safeco Auto Insurance
Pros Cons
  • 24/7 Phone availability
  • Free policy cancellation
  • Locally available agents
  • Free Policy Cancellation
  • Accident forgiveness
  • Emergency roadside service
  • Rental car coverage
  • Ridesharing coverage
  • Generous with policy discounts
  • Offers multiple vehicle equipment discounts
  • Does not offer digital claims reporting
  • No transport trailer coverage
  • No travel expenses or trip interruption coverage
  • What types of auto insurance coverage does Safeco Auto Insurance offer?

    Although we often talk about auto insurance in the singular, it really includes several types of coverage. Safeco Auto Insurance offers the following types of auto insurance coverage:

    • Bodily Injury Coverage: This insurance pays for your legal defense and for the costs associated with injuries to other people involved in an accident. 
    • Property Damage Coverage: Usually, this insurance will look after the property damage you cause to another vehicle or property when at fault in an accident.
    • Uninsured Motorist Coverage: The uninsured motorist rider covers the damages caused by a negligent driver who doesn't have an insurance policy.
    • Underinsured Motorist Coverage: This covers the damages caused by a driver who is at-fault but whose liability limits don't cover all the property damages and medical expenses of the accident.
    • Collision Coverage: Collision coverage is an optional policy that pays for the cost of repairing or replacing your vehicle after an accident. If you have an auto lease, the lender may require you buy collision insurance.
    •  Comprehensive Coverage:If your vehicle is damaged in an event other than a collision, comprehensive coverage will pay for the cost of the repair. Covered events include storms, floods, fire, vandalism, and theft.
    • Medical Payments Coverage: Medical payments insurance covers for the medical costs caused by an accident regardless of who is at fault. Most policies will also cover funeral expenses.
    • Personal Injury Protection: Personal injury protection, also known as PIP, typically covers medical expenses, loss of essential services, funeral services, and loss of income. It is similar to medical payments coverage, or MedPay for short. The difference is that MedPay will only cover for reasonable medical expenses.

    Safeco Auto Insurance customers can also add the following riders or endorsements to their policies:

    • Accident Forgiveness: This auto insurance rider helps you avoid a rate increase after the first accident where you are at fault. Some carriers pass on this benefit to other drivers on your policy, such as your teenage children. Check with Safeco Auto Insurance to see if this rider is available in your area as it is not available in all states.
    • Transportation Network Company or ride-sharing coverage: Standard auto policies don't provide coverage the moment you log into a TNC or a ridesharing app like Uber or Lyft. This endorsement covers this gap.
    • Modified Vehicle Insurance: This coverage, also known as customized parts and equipment coverage, can help repair or replace alterations and upgrades you make to your vehicle. Notice that most car insurance policies will only cover original equipment so you may want to consider this policy if you've invested a lot of money on aftermarket parts and upgrades.
    • Rental Car Coverage: Rental car coverage, also known as rental car reimbursement, pays for the cost of a car rental if you can't drive your vehicle because of a covered loss, such as a car accident, theft, or vandalism.
    • Loan / Lease / GAP Coverage: GAP coverage covers the difference between what you owe on your vehicle and its current cash value in the event of a total loss.
    • Emergency Roadside Service: Coverage varies by carrier but it typically includes jump starts for dead batteries, labor to change a flat tire, towing, and lockout services.

    Does Safeco Auto Insurance have roadside assistance?

    Emergency Roadside Service available. Yes, Safeco offers roadside assistance to policyholders. Coverage varies by carrier but it typically includes jump starts for dead batteries, labor to change a flat tire, towing, and lockout services.

    Does Safeco Auto Insurance offer ridesharing insurance?

    Ridesharing coverage available. : Yes, Safeco Auto Insurance offers ridesharing insurance to policyholders as a rider or endorsement. Standard auto policies don't provide coverage the moment you log into a TNC or a ridesharing app like Uber or Lyft.

    What benefits does Safeco Auto Insurance offer?

    Safeco Auto Insurance offers the following benefits to its customers:

    • 24/7 Phone Availability: Customer service is staffed around the clock.
    • Local Agents: Perfect for people who prefer the personal touch of a local insurance agent.
    • Free Policy Cancellation: No cancellation fees for ending your policy early.
    • Mechanical / Auto Body Repair Network: Enjoy the competitive prices and peace of mind of having access to a network of service and repair shops.

    What discounts does Safeco Auto Insurance offer?

    When you ask for a quote with Safeco Auto Insurance, make sure you ask for all the discounts you qualify for. These are the discounts currently available that are specific to auto insurance.
    • Anti-Lock Brake System: ABS technology reduces uncontrolled skids and insurance premiums. Most cars have them but it's a discount people often forget to ask for.
    • Internal Safety Features: Safeco Auto Insurance offers additional savings if you have seatbelts, airbags, and similar safety features. Ask what other safety features on your car will trigger a discount.
    • Low Annual Mileage: If you don't put many miles on your car (typically under 15,000 miles a year) you may qualify for a discount.

    Want more discounts? Check the discounts tab for a full list of general policy discounts you can qualify for with Safeco Auto Insurance.

    How does Safeco calculate rates?

    Auto insurance companies guard their risk-assessment algorithms as a trade secret, and Safeco is no exception. However, you can be confident that Safeco Auto Insurance will take into consideration your driving record, age, gender, marital status, and address.

    Other factors it will take into consideration are your vehicle (make and model), insurance history, and how you use your car.

    Does Safeco Auto Insurance use your credit score?

    It is safe to assume that, when legal, auto insurance companies will use your credit score as a rating factor. There are two exceptions.

    1. If you live in California, Hawaii, or Massachusetts, auto insurance companies are not allowed to use your credit report as a rating factor.
    2. There are also a handful of auto insurance companies that base their rates exclusively on telematic data. These companies collect information on your driving behavior and use it to determine the risk you pose as a driver.

    How can I get a Safeco Auto Insurance quote

    • Visit the Safeco website.
    • Fill in the insurance quote application form. You will typically need to provide personal information, such as your name, vehicle, driver's license, and address.
    • Check the information is accurate and submit your application.

    SUPERMONEY Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

    Contact

    • Headquarters
    •   1001 4th Avenue
      Seattle, WA 98154 USA
    •   Visit Site

    Hours of Operation

    • Sunday Closed
    • Monday 8:00am - 5:00pm
    • Tuesday 8:00am - 5:00pm
    • Wednesday 8:00am - 5:00pm
    • Thursday 8:00am - 5:00pm
    • Friday 8:00am - 5:00pm
    • Saturday Closed

    Other Services by Safeco

    Availability

    Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
      Available in 45 states
    • Alabama
    • Alaska
    • Arizona
    • Arkansas
    • California
    • Colorado
    • Connecticut
    • Florida
    • Georgia
    • Idaho
    • Illinois
    • Indiana
    • Iowa
    • Kansas
    • Kentucky
    • Louisiana
    • Maryland
    • Michigan
    • Minnesota
    • Mississippi
    • Missouri
    • Montana
    • Nebraska
    • Nevada
    • New Hampshire
    • New Jersey
    • New Mexico
    • New York
    • North Carolina
    • North Dakota
    • Ohio
    • Oklahoma
    • Oregon
    • Pennsylvania
    • South Carolina
    • South Dakota
    • Tennessee
    • Texas
    • Utah
    • Vermont
    • Virginia
    • Washington
    • West Virginia
    • Wisconsin
    • Wyoming

    Feature Breakdown

    Policy Discounts
    • Claims Free
    • Defensive Driver / Safety Course
    • Full Payment
    • Good Credit
    • Good Student
    • Homeowner
    • Loyalty / Long-Term Customer
    • Multiple Policy
    • Multiple Vehicles
    • Senior
    • Student Away at School
    • Young Driver Training
    Vehicle and Equipment Discounts
    • Anti-Lock Brake System
    • Anti-Theft Devices
    • Internal Safety Features (Air Bags / Seat Belts)
    • Low Annual Mileage
    Liability Vehicle Insurance
    • Bodily Injury Coverage
    • Property Damage Coverage
    • Uninsured Motorist
    • Underinsured Motorist
    Medical Vehicle Insurance
    • Medical Payments Coverage
    • Personal Injury Protection
    Vehicle Coverages
    • Comprehensive
    • Collision
    Financial Strength Rating
    • A
    Carrier Features
    • 24/7 Phone Availability
    • Locally Available Agents
    • Free Policy Cancellation
    • Mechanical / Auto Body Repair Network

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