Safeco Car Insurance Review (2024)

Car insurance is an essential part of owning and operating a vehicle, as it protects drivers and their vehicles from accidents and unexpected events. Being able to find affordable car insurance can take a lot out of someone, which is why it’s often necessary to turn to reviews on different companies.

One car insurance company that has been providing reliable coverage to drivers for decades is Safeco. In this review, we’ll take a closer look at Safeco car insurance, including the company’s history, products and services, discounts, and customer reviews.

Safeco Insurance Average Monthly Rates vs U.S. Average

Cost and Availability of Safeco Car Insurance

Safeco offers competitive pricing on its car insurance policies, making it an excellent choice for drivers looking for quality coverage at an affordable rate. The cost of Safeco’s policies varies based on factors such as the driver’s age, driving history, and location.

Average Monthly Safeco Car Insurance Rates by Age and Gender

• Driver’s Age: Younger drivers typically pay higher premiums due to their relative lack of experience, while older drivers may enjoy lower rates.

• Driving History: Drivers with a history of accidents, violations, or claims may pay higher premiums than those with clean records.

• Location: Insurance rates can vary significantly by location. Urban areas with higher rates of accidents and thefts generally result in higher premiums.

• Type and Amount of Coverage: The type of coverage you choose, such as liability, comprehensive, or collision, as well as the coverage limits, will affect your premium. More coverage typically means a higher premium.

• Vehicle Model: The make and model of your vehicle, as well as its age, can impact your premium. Newer, more expensive cars may have higher insurance costs.

• Usage: How often and for what purposes you use your car can influence your rates. Commuters or frequent drivers may pay more.

• Deductibles: Choosing a higher deductible means you’ll pay more out of pocket in the event of a claim but may result in lower premiums.

• Discounts: Safeco offers various discounts, such as multi-policy, safe driver, and good student discounts, which can reduce your premium.

• Credit History: In some states, insurance companies may consider your credit history when calculating rates.

• Coverage Add-Ons: Optional coverages like roadside assistance, rental car coverage, and personal injury protection will add to the cost of your policy.

• Insurance History: Your prior insurance history, including gaps in coverage, can also impact your rates.

• Annual Mileage: The number of miles you drive annually can affect your premium, as higher mileage generally means a higher risk of accidents.

• Gender: Some states still consider gender as a factor in determining insurance rates.

However, it’s important to note that not buying car insurance can have consequences, so even if it’s just the state-required minimum amount, drivers should consider purchasing coverage. Safeco car insurance is available in all 50 states, so drivers across the country can benefit from its coverage options.

Car Insurance Offered at Safeco Car Insurance

Safeco offers a variety of the most common types of car insurance coverage to meet the unique needs of each driver. These include liability coverage, collision coverage, comprehensive coverage, and additional coverage such as personal injury protection.

Drivers can also choose to add additional coverage options, such as roadside assistance and rental car coverage, to their policy. Safeco’s policies are customizable, allowing drivers to tailor their coverage to their specific needs and budget.

• Liability Coverage: This coverage helps pay for medical expenses, legal fees, and other costs if you’re at fault in an accident that injures other people.

• Collision Coverage: This option helps pay for the repair or replacement of your vehicle if it’s damaged in a collision with another vehicle or object.

• Comprehensive Coverage: This covers damage to your vehicle caused by non-collision incidents, such as theft, vandalism, fire, severe weather, or hitting an animal.

• Uninsured/Underinsured Motorist Coverage: If you’re in an accident with an uninsured or underinsured driver and you’re injured, this coverage can help pay for your medical expenses.

• Personal Injury Protection (PIP): PIP coverage pays for medical expenses, lost wages, and other costs if you or your passengers are injured in an accident, regardless of fault.

• Medical Payments Coverage: This coverage helps pay for medical and funeral expenses for you and your passengers in case of an accident, regardless of fault.

• Rental Car Reimbursement: This coverage helps cover the cost of renting a replacement vehicle while your car is being repaired due to a covered claim.

• Roadside Assistance: Safeco offers roadside assistance coverage to provide help with services like towing, tire changes, jump-starts, and fuel delivery.

• Gap Insurance: If your car is financed or leased, Gap insurance can help cover the difference between the actual cash value of your vehicle and the amount you owe on your loan or lease if your car is totaled in an accident.

• New Car Replacement: This coverage may replace your new car with a similar model if your car is deemed a total loss within the first year or a specified mileage limit (e.g., 15,000 miles).

• Accident Forgiveness: Safeco may offer accident forgiveness, which means that your rates won’t increase after your first at-fault accident.

• Pet Injury Coverage: This option provides coverage for veterinary expenses if your pet is injured in an accident while riding in your vehicle.

• Custom Equipment Coverage: If you’ve added custom parts or equipment to your vehicle, this coverage helps protect those additions in case of damage.

With an impressive lineup of coverage options, Safeco empowers you to tailor your policy to suit your unique requirements. Whether you’re seeking the basics or looking for extra layers of protection, Safeco’s got you covered.

As you explore your car insurance options, remember that the right coverage can provide peace of mind and financial security on the road. So, select the coverages that fit your needs and drive with confidence, knowing that Safeco Car Insurance is there to support you.

Discounts for Safeco Car Insurance

Safeco offers a variety of discounts to help you save money on your car insurance premiums. Some of the most common discounts include multi-policy, multi-car, safe driver, accident-free, and low mileage discounts.

They also offer discounts for things like anti-theft devices, defensive driving courses, and good student grades. To qualify for these discounts, you’ll need to meet certain criteria, which can vary depending on your state and the type of discount.

• Multi-Policy Discount: Combining your car insurance with other policies, such as home or renters insurance, can lead to significant savings.

• Safe Driver Discount: If you have a clean driving record with no recent accidents or violations, you may qualify for this discount.

• Accident-Free Discount: Maintaining a claims-free history over a specific period can earn you a discount on your premium.

• Low Mileage Discount: If you don’t drive your vehicle extensively, you could be eligible for a lower premium rate.

• Good Student Discount: Students with a strong academic record may qualify for this discount.

• Anti-Theft Device Discount: Equipping your vehicle with anti-theft devices can lead to discounts on your comprehensive coverage.

• Defensive Driving Course Discount: Completing an approved defensive driving course may result in a discount on your premium.

• Teen Safety Rewards: If you have a teen driver on your policy who completes a recognized safe driving program, you may receive discounted rates.

• New Vehicle Discount: Insuring a new car can often result in lower premiums due to the vehicle’s advanced safety features.

• Eco-Friendly Vehicle Discount: If you drive a hybrid or electric vehicle, you might qualify for savings on your insurance.

• Pay-in-Full Discount: Paying your premium in full rather than in installments can sometimes lead to a discount.

• Early Signing Discount: Signing up for a new policy with Safeco in advance of your current policy’s expiration may result in savings.

• Home Ownership Discount: Owning a home or condominium can lead to reduced premiums.

• Away at School Discount: If your student is away at school and not driving your vehicle regularly, you may receive a discount.

• Anti-Lock Brake Discount: Vehicles equipped with anti-lock brakes can qualify for lower rates.

• Anti-Skid Control Discount: Cars with anti-skid control systems may be eligible for discounts.

• Good Credit Discount: In some states, having a strong credit history can lead to lower premiums.

Customer Reviews for Safeco Car Insurance

Overall, Safeco car insurance has received positive reviews from customers. Many customers appreciate the company’s fast and easy online quotes, customizable coverage options, and 24/7 claims service.

Some customers have reported issues with customer service and claims processing, but these complaints are relatively rare. Overall, Safeco car insurance seems to be a reliable and trustworthy option for drivers looking for comprehensive coverage at an affordable price.

Safeco History and Mission

Safeco has been providing car insurance coverage to drivers for over 90 years. The company was founded in 1923 in Seattle, Washington, and has since grown to become one of the largest insurance providers in the United States. Safeco’s mission is to provide drivers with reliable and affordable coverage, while also delivering exceptional customer service and support.

Safeco Car Insurance: Conclusion

In conclusion, Safeco car insurance is a reputable insurance provider with a long history of providing quality coverage to drivers in many states across the country. With a mission to provide affordable, reliable insurance coverage and excellent customer service, Safeco is committed to helping its customers feel safe and secure on the road.