Safeco Auto Insurance

Safeco Auto Insurance

Since becoming part of Liberty Mutual, Safeco has narrowed its focus to personal insurance, offering an array of coverage options for homes, vehicles and more. The company employs over 7,200 people across the nation. While Safeco provides a relatively comprehensive product, in terms of their service area, there are some serious limitations to the platform as well.

Rank Chart Our Score User Score
#1 8.1 5.6 Read Review
#2 7.8 6.3 Read Review
#3 7.6 8.7 Read Review
#12 5.1 -- Current

The Good

  • Coverage features
  • Personal property coverage
  • Reconciling complaints
  • 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.

Reconciling Complaints

Safeco provides hundreds of customer reviews on their own website. This includes many one star reviews, which shows the company's commitment to transparency and honesty. However, what makes this even better is that Safeco has replied to many of the one star reviews in an attempt to resolve complaints, providing contact information and answering questions. Potential customers should take this as a good sign. Safeco is not only willing to address negative reviews, but they actively attempt to reconcile them.

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.

The Bad

  • Price range
  • Discounts
  • User complaints
  • File/track claims

Price Range

Safeco's auto insurance rates are not particularly impressive, averaging $117/month. In fact, a side-by-side comparison of insurance quotes put Safeco higher than average in terms of cost. Combined with the fact that they don't offer as many discounts as many their competitors, this does not bode well for people trying to save money. There are more affordable options out there.

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

User Complaints

Safeco has accumulated thousands of complaints across numerous websites, including their own, about the frustration of their claims process. First of all, claims cannot be reported online, which puts Safeco out of step with the innovative practices of many other insurance companies. Instead, an 800 number is available 24 hours a day, seven days a week.

File/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.

The Bottom Line

In the end, Safeco simply doesn't offer the same level of convenience or affordability as other insurance companies. To a certain extent, they make up for this by providing unique coverage options that customers might not be able to find anywhere else. However, their rates are not impressive. The lack of a decent mobile app, and the inability to file claims online or through the app, makes them less convenient than many of their competitors. The website is easy to navigate but lacks some helpful resources. Overall, in most categories, there seem to be better options than Safeco.

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