Safeco Insurance Overview and Key Takeaways

Safeco sells personal, car, and home owners and a range of specialty insurance products. Liberty Mutual Group, the parent company of Safeco, is the 6th-largest auto insurer in the US.

  • Average levels of customer satisfaction
  • Rideshare insurance in many states
  • Fewer complaints than expected
Safeco Car Insurance

Safeco Insurance: Rating

Safeco scores 4 out of 5 when analyzed across categories including discounts, type of coverage, pricing, extras, complaints, customer satisfaction, and ease of filing a claim.

Safeco Insurance Complaints
Editorial Credit: Michael Jung

Safeco Insurance: Services

Safeco offers the standard coverage along with these extras:

  • Accident forgiveness: After a certain time with no claims, you won’t find your rates increase in the event of a single accident
  • First aid reimbursement: Get up to $10,000 for any first aid needed after an accident
  • Diminishing deductible: Each claim-free year sees your deductible decrease by $100 to a maximum of $500

Some states also offer the following coverage options:

  • Rideshare: Rideshare coverage is available in some states for less than $10 a month
  • New car replacement: If your new car is stolen or totaled during the first year, you’ll have it replaced with a comparable car
  • Personal property: This coverage is usually provided by renters or home owners insurance
  • Emergency assistance: Get up to $100 for expenses and $500 for food and accommodation if you have an accident more than 25 miles from home
  • Gap coverage: If you total your car or it’s stolen, gap coverage meets any shortfall between the value of your car and any outstanding loan or lease payments
  • Electronic lock and key coverage: Get keys, locks, and pads replaced with no deductible
  • CD replacement: Covers any damaged audio-visual media like CDs or DVDs
  • Custom equipment: Protects extra equipment you installed in your car
  • Pet coverage: Vet coverage and death benefits if your pet is involved in an accident

Safeco Insurance: Discounts

Safeco discounts include:

  • Accident prevention courses
  • Anti-lock brakes
  • Home owners
  • Low mileage
  • Multiple cars
  • Multiple policies            
  • Safe driver
  • Teen safety awards

Safeco Insurance: Complaints

Safeco attracts fewer complaints than you would expect for an insurance provider of this size.

It would be a good idea to check their BBB Complaints and before doing business with any of these insurance companies.

Safeco Insurance: What Else?

The website is easy to navigate and allows you to manage your account online. You can also locate an agent on the website if you prefer face-to-face contact.

The mobile app is effective allowing you to manage your policy, pay bills, and monitor claim status.

Use any Alexa device to harness Safeco’s insurance advisor skill.

You can also get the following insurance from Esurance:

  • ATV insurance
  • Classic car insurance
  • Condo insurance
  • Golf cart insurance
  • Landlord protection insurance
  • Motorcycle insurance
  • Renters insurance
  • Snowmobile insurance
  • Umbrella insurance

Safeco Insurance: Pros and Cons

Pros

  • Fewer complaints than expected
  • Accident forgiveness
  • Highly customizable policies

Cons

  • Average levels of customer satisfaction

Compare Safeco Insurance to Big Savings Auto Insurance Providers

Safeco Insurance
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Safeco Insurance Review

Safeco’s customer satisfaction ratings are below average for car insurance. Safeco sells personal, car, and home owners and a range of specialty insurance products. Liberty Mutual Group, the parent company of Safeco, is the 6th-largest auto insurer in the US.

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