Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager

UPDATED: Aug 18, 2021

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Key takeaways...

  • The Safeco company was founded in 1923 and is backed by Liberty Mutual
  • Safeco offers many personal lines of insurance including auto, home, and umbrella insurance
  • The Safeco Package is another name for whats known as a Multi-Policy discount in the car insurance industry

The Safeco car insurance company is almost 100 years old. Founded in 1923, Safeco is backed by Liberty Mutual with over 3,000 employees nationwide.

Liberty Mutual is one of the top 5 largest property and casualty insurers in the USA and a Fortune 100 corporation.

Safeco offers many personal lines of insurance including auto, home, and umbrella insurance. The company has long been regarded as having high customer satisfaction ratings as well as superior customer service. They not only offer competitive rates, they also offer plenty of assistance in choosing the type of coverage that would best fit your lifestyle.

Recently Safeco was recognized by J.D. Power and Associates for producing an “Outstanding Customer Service Experience” (2010).

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Why should you choose Safeco Car Insurance?

People choose car insurance companies for different reasons and auto insurance premiums are just one of many factors which ultimately influence a customer’s decision.

Safeco customers report not just competitive car insurance rates but also outstanding customer service. In fact, Safeco has a very strong claims division promising to contact everyone involved in a car accident within one business day.

The Safeco car insurance customer service team is open 24/7 to assist with claims, questions and concerns, and the company has a pretty large presence of agents nationwide so you can visit a real person.

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What are the types of Safeco Car Insurance coverage?

Safeco provides all the common car insurance products including:

  • Liability Insurance
  • Personal Injury Protection
  • Comprehensive Car Insurance
  • Uninsured Motorist Insurance
  • Underinsured Motorist Coverage

The company also heavily promotes the Safeco Package where customers can save up to 15 percent by combining their home and auto insurance policies. Generally bundling will save you money, but not everyone will be upfront about such a deal.

The Safeco Package is another name for what’s known as a Multi-Policy discount in the car insurance industry.

Safeco also offers motorcycle insurance, watercraft insurance and even personal umbrella insurance, while offering further discounts to customers who take advantage of these policies.

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Are there any Safeco Car Insurance discounts?

While many car insurance companies offer discounts for people who have a clean driving record or a specific type of vehicle, Safeco is also known to sometimes modify car insurance policies to exclude or add coverage not typical of every policy, so if you have custom needs it’s worth speaking with a Safeco insurance agent. Not many insurers will provide coverage options like this, with some of them requiring all of their customers to have specific, comprehensive coverage.

Thankfully, Safeco offers a wide variety of discounts. Since price can sometimes be the make or break factor when a customer is looking into finding affordable rates of coverage, it’s no surprise that customer reviews are so positive.

Some of the common Safeco car insurance discounts are:

  • Accident Prevention Course
  • Anti-Theft discounts
  • Good Student discounts
  • Multi-Vehicle discounts
  • Pay-in-Full discount

Are there any Safeco Car Insurance concerns?

Most larger car insurance companies often get the same concern of rates tending to be higher but for the most part, (when comparing apples to apples) Safeco and other large companies provide market rates based on risk backed by quality customer service and claims coverage.

We have not seen any evidence to show Safeco car insurance rates are always higher than competitive car insurance companies, so it’s probably best to do your own car insurance comparison search and compare Safeco auto insurance quotes based on your unique profile rather than focusing on what “some” consumers have to say.

There are plenty of ways for you to get assistance from Safeco, by phone or by website where they will put you in touch with an agent, so you’ll be able to see for yourself what they have to offer.

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References:

  1. https://www.allstate.com/tools-and-resources/car-insurance/liability-car-insurance-cover.aspx
  2. https://www.nationwide.com/personal-injury-protection.jsp
  3. https://www.thebalance.com/how-do-i-get-a-multi-car-discount-527538
  4. https://www.safeco.com/products/auto-insurance/discounts