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Safeco Auto Insurance Review | Beacon Point Insurance

Safeco Auto Insurance is a popular car insurance company that offers a variety of coverage options for drivers. The company has been in business for over 90 years, and it has a reputation for providing quality service to its customers. In this review, we’ll take a look at the different coverage options that Safeco offers.

Safeco offers some of the most competitive rates for younger drivers, as well as a variety of special benefits and services.

Safeco coverage options

Safeco offers policyholders a variety of optional coverage add-ons in addition to the typical automobile insurance coverages. These include:

NEW VEHICLE REPLACEMENT

If your new automobile is destroyed or stolen before you have driven 15,000 miles on it, this is an optional add-on that Safeco will pay for the cost of another new auto.

GLASS REPAIR AND REPLACEMENT

If your vehicle’s glass is broken, you can get it fixed or replaced (for the deductible) at a repair shop of your choice or a Safelite Solutions facility for free. Repairing or replacing your car’s glass at home or work is possible thanks to Safelite Solutions’ collaboration with Safeco.

RENTAL REIMBURSEMENT

Safeco offers coverage of rental cars used when you get into an accident.

SAFECO CLASSIC CAR INSURANCE

Safeco provides automobile insurance for classic cars, and drivers who use their vintage vehicle less than 5,000 miles each year may get limited usage rates. Safeco does provide Agreed Value as a claims option for your classic or antique auto, which is the best form of coverage available.

LOAN AND LEASE COVERAGE

In some states, Safeco provides auto loan/lease coverage, also known as gap insurance. This coverage helps drivers who have financed or leased their vehicle pay off the remainder of their car payments in the event of a vehicle loss or theft.

SAFECO RIGHTTRACK

Safeco offers a free telematics program called RightTrack, which keeps track of your driving and provides discounts for everyone who participates. Safeco’s RightTrack uses a mobile app to monitor activities like braking, acceleration, nighttime driving, and overall mileage traveled. After 90 days of monitoring, Safeco will evaluate the savings it can provide you based on your driving patterns.

Residents of most states are eligible, and policyholders may join more than one vehicle with Safeco’s RightTrack.

ROADSIDE ASSISTANCE

Safeco includes towing, tire changes, battery service, fuel and fluids replenishment and car unlocking if you lock your keys in your car. Roadside assistance is available 24/7.

OTHER UNIQUE FEATURES

For each renewal, the policyholder is eligible for accident forgiveness and a deductible that decreases by $100 every time the insurance is renewed, up to a maximum of $500 or five years with some packages.

In some states, Safeco offers a One Deductible to those who bundle multiple policies together. For example, if you have a homeowners policy and an auto policy with Safeco, you’ll only have to pay one deductible for any claims filed on any policy if multiple items were damaged from the same event.

Safeco is a popular car insurance

Safeco also offers the standard coverages you’d expect to see from any major auto insurer, including:

  • Medical payments
  • Property damage liability
  • Bodily injury liability
  • Collision
  • Comprehensive

Discounts offered by Safeco

In terms of assisting drivers save money, Safeco is unique for its claims-free cashback program. Every six months that you keep your policy claims-free, Safeco will send you a small payment: a check worth 2.5% of your insurance premium.

One of the most significant advantages of getting insurance from Safeco is its accident forgiveness program. If you’ve been a loyal Safeco customer for many years and haven’t had an at-fault accident, your first accident will be forgiven, and your rates will not change.

Safeco offers a low-mileage discount program, as well. If you’re over 25 years old and drive your car less than 8,000 miles each year, you may qualify for up to 20% off your auto insurance policy. This could be an excellent choice for individuals who work from home or rely on public transportation regularly.

You can get several of the common discounts that you would expect from a major automobile insurance firm if you have Safeco:

  • Bundle insurance policies with Safeco
  • Maintain a clean driving record and Safeco will lower your deductible in increments, up to $500
  • Take an accident prevention course (if you meet the required age that varies by state)
  • Insure multiple cars with Safeco
  • Make Safeco aware if your car has anti-lock brakes
  • Own a home

Mobile app

The Safeco mobile app is free and contains basic features such as bill payment, insurance identification card storage, and the ability to contact your Beacon Point Safeco Insurance agent.

Who owns Safeco insurance?

Safeco Insurance is a subsidiary of Liberty Mutual, one of the top 10 insurance firms in the United States. Safeco Insurance Company of America is based out of several cities across the country, with various Safeco divisions located throughout the nation.

Filing an auto insurance claim with Safeco

To submit an insurance claim with Safeco, call the claims phone number, which is 800-332-3226, to contact the claims center, or you may use the online form by clicking here. You may check the status of your claim through your Safeco account after filing it.

For roadside assistance, call 877-762-3101. Here is the information you’ll need when calling to report a claim:

  • Time and place of the accident
  • A recollection of the accident
  • Details about other vehicles involved
  • A description of the damage incurred by your vehicle
  • Contact information for everyone involved and any witnesses
  • Any injuries incurred by either party
  • Police report number and the name of the responding police department (if any)

Safeco has an extensive network of independent agents like Beacon Point Insurance in the United States, which is one of the reasons why consumers that deal with Safeco are gaining from the company’s big presence.

Frequently asked questions

Safeco A Good Insurance Company?

Safeco is a good insurance company, as they provide some of the best coverages available as well as a broad product range to cover most personal insurance needs.

Is Safeco Cheaper Than Geico?

Yes, we discovered that Safeco was less expensive than Geico when it comes to automobile insurance. Every motorist’s price will vary, so the only way to know which is cheaper for you is to obtain quotations from your friends at Beacon Point Insurance.

What Is Safeco’s AM Best Rating?

Safeco has an “A” rating from AM Best, indicating it has a good financial ability to pay claims. This is the third-best grade available, behind A+ and A++.

Is Safeco Part Of Liberty Mutual?

Yes. Liberty Mutual purchased Safeco in 2008.

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