Safeco Auto Insurance

• Coverage Features
• Personal Property Coverage
• Unique Features

Coverage Features

• First Aid Reimbursement
• Accident Forgiveness
• Comprehensive
• Collision
• Roadside Assistance
• Rental Car Reimbursement
• Bodily Injury Liability
• Property Damage Liability
• Personal Injury Protection (PIP)
• Medical Payments
• Uninsured Motorist
• Underinsured Motorist
• Emergency Assistance
• Loan and Lease Coverage
• Electronic Key and Lock Replacement
• CD and DVD Replacement
• New Car Replacement
• Audio-Visual and Custom Equipment Coverage
• Pet Coverage
• Personal Property Coverage

Personal Property Coverage

Consumers should be able to put together the exact insurance policy to meet their specific needs. In fact, Safeco has more options than most of their competitors, and they allow customers to build their own policy by combining these varied coverage options, which offers a high degree of customization.

Unique Features

Diminishing Deductible is one interesting feature that the company offers. Basically, if a policyholder remains claim-free, the collision deductible goes down by $100 each year for a possible maximum of $500. They have a great roadside assistance program that is available around the clock through an 877 phone number, and the website offers several payment options for premiums, including a paperless option. Safeco also offers a Single Loss Deductible, which means if your vehicle and your home are both damaged in the same incident, you only have to pay one deductible. The example given on the website is that if a tree fell in the yard and hit both your car and house, Safeco would waive the auto deductible once the home deductible was paid. This can save the policyholder a significant amount of money, and it's a great feature that every company should have.

• Discounts
• File and Track Claims

Discounts

Discount options are not as extensive or numerous as some of their competitors, though they do offer standard discounts like safe driving and low mileage. By combining an auto insurance policy with a homeowners policy it is possible to save up to 15 percent, and while this is not bad, there are other insurance companies with more discounts and deeper savings.

• Package deal
• Be a safe driver
• Take an accident prevention course
• Teen safety rewards
• Drive less. Pay less.
• More than one car
• Antitheft
• Antilock
• Own your own home
• Pay your bill in full

File and Track Claims

Though claims cannot be filed online, they can be tracked online, which is good. However, many of the complaints are directed at the company's ongoing lack of follow-up about the claims process. Hundreds of people have complained about unprofessional behavior, lack of response, unreturned phone calls, incorrect information and unanswered messages. These types of complaints are prevalent enough and widespread enough that it is worth pointing out.