Finding insurance can be a huge hassle. Especially since there are so many options to choose from. Personally, I like providers who can offer you most, if not all, of the insurance you need so that you can get it all done from a single source.
In this review, I’m going to dive into Safeco Insurance – and why it may (or may not) best fit your insurance needs.
What is Safeco insurance?
Safeco Insurance is one of the largest insurers in the country, offering auto, household, renters, motorcycle and other types of insurance through its individual agents.
Safeco Insurance is proud of the wide range of policies offered by the company and its specialist agents. However, Safeco Insurance’s customer support has proven to be a bit poor. However, Safeco is always on lower half of insurers based on its customer service ratings submitted by J.D. Power were delivered.
How does Safeco insurance work?
Safeco Insurance offers you insurance directly. As you will see in my experience below, the sign up process is not overly complex and you can choose which types of insurance you need for your coverage.
As you can see, Safeco offers a TON of options for its insurance products:
Let’s unpack this a little more.
Car & vehicle
Safeco offers car insurance (of course) for cars and vehicles, but you can also take out motorcycle insurance, boat and watercraft insurance, classic car insurance and much more.
For people who have things like ATVs, boats, golf carts, and other off-road vehicles for their free time, Safeco can bundle these packages to save you big money in the long run.
Of course, Safeco offers homeowner and tenant insurance. However, if you are a landlord, you can also get landlord insurance.
I also like how you can get home warranty insurance through Safeco. Often times, you can throw this in when buying a home, but in many cases it isn’t offered. This gives you an additional option to insure your new home against things like broken appliances, roofs, and other potential money pits.
The big clue here is pet insurance. Pet insurance has grown in popularity as more people get pets, and Safeco offers it. The cost of veterinary bills is extremely high, the value of pet insurance has increased significantly, according to Statista.
Prices for Safeco Insurance
Safeco Insurance prices depend not only on the type of insurance product you are considering, but also on the aspects that are included in that insurance policy.
To get a clear idea of the pricing for what you are looking for, you can be quick Receive a quote from Safeco through their website. However, from my observations, Safeco’s pricing is very high and much cheaper than other smaller insurers, especially after bundling.
Notice how Safeco actually creates citations. It’s a bit different than just putting one online like some other insurance companies do. According to Safeco:
“All offers for Safeco home insurance start with the location. Because of this, the first step in any insurance search is to provide an agent with your zip code. The location of your home can determine the risk associated with protection. For example, home insurance prices can vary widely by state and county as different areas have different natural disasters among other risks. We’ll also ask questions about the house – for example, when it was built and what type of roof it is.
When you call to get a Safeco insurance quote for your car, we will need your vehicle identification number (we can look it up if you don’t have it), the drivers license numbers of the drivers in your household and your current insurance limits, premium amount and expiration date. “
Basically, it means they connect you to one of their local agents for a more accurate quote. They will contact you by email and / or phone to start this process.
Safeco insurance functions
The two most popular products at Safeco Insurance are car and homeowner insurance.
Car insurance protection and feature options
Reimbursement for first aid
All Safeco auto policies provide coverage of up to $ 10,000 for reimbursement of emergency treatment given to another person after a collision.
Forgiveness of accidents
Every Safeco vehicle insurance policyholder can receive forgiveness for accidents and injury-free driving shortly after a set number of years of accidents.
You are still claim-free and Safeco reduces your deductible with each annual renewal of the insurance policy by a maximum of USD 100 for a maximum of USD 500 or five years.
Comprehensive & collision
Used to pay for maintenance and repairs, or even replace your motor vehicle if it has been stolen, destroyed, or damaged in any way other than a collision. It offers loss or damage caused by fire, flood, falling objects, wind, hailstorm, and collision with an animal.
Collision helps pay for repairs to your motor vehicle for damage caused by an accident.
Create your own auto insurance
Make yourself comfortable and know that you are much better prepared for the unplanned. The choice of Safeco car insurance coverage may vary from region to region.
You should make sure that you speak to your independent neighborhood agent for the best possible mix of protection, value, and price. You even get a personal insight into which insurance coverage solutions are best for you.
For just cents a day, Roadside Assistance can handle towing to the nearest authorized repair center as well as other types of critical emergency services. With Safeco Roadside Assistance you can change a flat tire, deliver gas, oil or any additional fluids you may need. This includes things like radiator and brake fluids, starting your battery, or sending a locksmith out in case you ever get locked out of your car.
You can also opt for the emergency aid package. This includes all of the roadside assistance features and includes up to $ 100 coverage for related expenses. You can also get up to $ 500 on meals, hotels, and transportation if you’re involved in a collision 25 miles or more from your home. It also includes coverage for personal valuables that have been destroyed in an accident or stolen from your car.
Liability for injuries
This helps cover any physical trauma costs, such as hospital bills, as well as medical care, that you may have to pay if you cause a car accident that harms another driver or the passengers of another motor vehicle.
Personal Injury Protection (PIP) and Medical Payments (Med Pay)
This is to pay the hospital bills and medical bills for you and your passengers in the event you were ever injured in an accident, regardless of who was to blame. Some states actually require personal protection. If you don’t need it where you live, you can always add it yourself.
New car replacement ™
If you are the main owner of a vehicle that is no more than a year old and that has been wholly or stolen, Safeco will pay for a comparable brand new vehicle. Pretty cool.
Audiovisual and custom device coverage
Protects your stereo, visual, and custom hardware that was not installed at the factory or dealer. Audiovisual units and devices such as stereo systems or DVD players must be permanently installed. Custom equipment includes all the parts that change the look or functionality of your car or truck.
An example is a custom engine, roll bars, lift kits, wheels, murals, and decals. If you are modifying your car in any way I would consider this cover.
Homeowner insurance coverage and feature options
At home and on the go
Safeco Homeowners Insurance offers protection for all your belongings – whether you are at home or not. It covers things like your laptop, furniture, clothes and books – whether at home or with you on a trip.
Protection for people
You are covered if someone is injured in your home or on your property. You are also insured in some situations where you are legally responsible for paying for damage to someone else’s property.
For example, let’s say your riding mower is a villain and is driving into your neighbor’s shed. Both you and your family members are protected against personal injury and property damage, as well as legal disputes that may arise from the situation.
Additional living expenses
If you are unable to stay in your home while it is completely reconstructed or even just repaired, you will be covered for short-term housing costs as well as daily living expenses (such as groceries) for up to two years.
Restoration of identity
If you are a victim of identity theft, you have protection that reimburses up to $ 25,000 in lost income and all costs related to getting your identity back. You will also receive personalized assistance to assist you with this process.
All kinds of valuables that you own, such as antiques, works of art or other collectibles, are protected by valuable items. You decide which items are covered and they have a set coverage rate with no deductible when you make a claim.
Replaces Covered Energy Star® Certified Equipment if it fails or has a mechanical problem that is not caused by normal use or anticipated corrosion.
Cost protection for the replacement of personal property
Personal property replacement cost protection helps cover the cost of acquiring new household items that are of a comparable size and style to anything you’ve lost.
Things like a dining table, television, clothing, mattress, and extra belongings are examples of items that you have cover for. In the event of a covered loss, Safeco will pay the actual cost of replacing your damaged, stolen or lost items, regardless of their age or condition, up to the deductible and limits you choose.
Multiple losses, one deductible
Combine your home and vehicle guidelines as a Safeco bundle and qualify for a deductible with a loss. If your vehicle, bike, boat or RV (covered by Safeco) is wrecked during the exact same covered event as your home, you can simply pay a deductible.
For example, if a tree falls and damages both your shed and vehicle, Safeco will drop your deductible after your deductible has been paid.
My experience with Safeco Insurance
Granted, my experience with Safeco was short-lived. I went to the landing page and put in my zip code followed by some personal information like my name, email address, and phone number.
After all of this, I received the following notification:
Basically you are telling me that someone will be in touch.
After waiting for a while, I didn’t receive an email or a phone call. So I suspect that somebody will follow up at some point.
If you remember, this is Safeco’s process:
To be completely honest, I’m not someone who likes to wait for someone to call. In fact, with insurance deals, I just want to have an idea of what I would pay for online right away like others do. So Safeco wasn’t for me.
If the products meet your needs and you can’t wait to speak to someone, you can be sure that you are getting an excellent price.
Who is Safeco Insurance for?
Even if the customer service for Safeco insurance doesn’t have top ratings, it is still a fantastic solution for some people. The company offers an app that makes the Safeco insurance claim process relatively easy and provides quick support on the go, making it easy for you to contact Safeco Insurance’s customer service.
With all the discounts on offer, Safeco insurance is a wonderful alternative for new homeowners, good drivers, carpooling and budget conscious drivers. The normal cost of Safeco insurance can be pretty competitive if you can get good credit.
Average prices depend on a number of factors including your creditworthiness, driving history, age, the discounts you are eligible for, and much more. So it is best to get a quote directly from Safeco to see if they are worth your time or not.
Who is Safeco NOT for?
If you want to bundle up with homeowners insurance, you will likely find better options than Safeco insurance. As you can see below, their reviews are from J.D. Power for homeowner insurance below average. So if you don’t have a good reason to use them for this, I’d look around first.
Also, Safeco doesn’t have as many unique insurance options as Liberty Mutual, which offers tuition and health insurance, for example, or Allstate, which offers small business and event insurance. So if you have dark needs I would look around.