Safeco Insurance Review 2020: Home & Car

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Safeco insurance offers car, home, renters, motorcycle and other types of insurance through their independent agents. The company’s wide range of coverage combined with its expert agents is what Safeco insurance prides itself on. However, Safeco insurance customer service is known to be very poor. It varies, depending on the region, but Safeco is consistently in the lower half of insurance providers for its customer service ratings, provided by J.D. Power.

Safeco car insurance coverage options and discounts

Before you request a Safeco insurance quote, you’ll want to understand the many options available, so you get one that is right for you. Below is a list of the car insurance coverage options available from Safeco:

  • Ridesharing Coverage: This is a great option for rideshare drivers (e.g. Uber and Lyft), as many insurance policies don’t cover accidents that occur when you’re driving paying customers.
  • Accident Forgiveness: Full details are not stated upfront, but every Safeco insurance quote includes accident forgiveness after a certain number of years with no incidents.
  • New Car Replacement: According to Safeco, “If you’re the original owner of a car that is less than one year old that has been totaled or stolen, we will pay you the value of a comparable new car.”
  • Roadside Assistance: This can be requested and included in your Safeco insurance quote, giving you the help you need when you encounter a flat tire, a jump start to your battery, a locksmith to unlock your car and more.

If you worry that a Safeco insurance quote will be out of your budget, below is a list of car insurance discounts available from Safeco:

  • Safe Driver Discounts: Use a mobile app or tracking device to get discounts as Safeco monitors your safe driving.
  • Low Mileage Discounts: If you drive less than a specified mileage, you can qualify for up to 20% off your Safeco insurance quote.
  • Multi-Policy Discounts: Combine your home and car policies with Safeco and save up to 15%.

Safeco home insurance coverage options and discounts

Just like with car insurance, you’ll want to have a good understanding of the different home insurance coverage options before requesting your Safeco insurance quote. These are some of the home insurance coverage options available from Safeco:

  • Identity Recovery: This will help cover any losses from being a victim of identity theft.
  • Valuable Articles: This protects items such as jewelry, collectibles, antiques and more.
  • Equipment Breakdown: Protect the sudden loss of certain appliances not due to corrosion.
  • Personal Property Replacement Cost Protection: This covers any loss at the full price of what it costs to buy a brand new item.

Safeco insurance also offers discounts for those seeking home insurance. Below is a list of home insurance discounts available from Safeco:

  • Multi-Policy Discounts: Combine your home and car policies with Safeco and save up to 15%.
  • Newer Home Discounts: If your home is less than 10 years old, you can qualify for a discount.
  • Pay Your Bill in Full Discounts: Instead of paying monthly installments, pay your bill in full to save more.

Safeco ratings, reviews, customer satisfaction and complaints

J.D. Power Ratings

  • Overall Satisfaction: 3 out of 5
  • First Notice of Loss: 3 out of 5
  • Estimation Process: 3 out of 5
  • Repair Process: 3 out of 5
  • Rental Experience: 3 out of 5
  • Claims Servicing: 2 out of 5
  • Settlement: 3 out of 5

BBB Rating: A-

  • More than 1,000 complaints were closed in the last year, but BBB still gave Safeco an A-. Many of the 300+ reviews reference the lack of Safeco insurance customer service support.

Reasons why Safeco is a great option

While Safeco insurance customer service does not have top ratings, it is still a great option for some people. Some people have complained about the Safeco insurance claims process, however it’s overall very easy to use. The company does offer a mobile app that makes the Safeco insurance claims process fairly simple with quick on-the-go service. This makes it easy to get in touch with Safeco insurance customer service.

Due to all the discounts available, Safeco insurance is a fantastic option for new homeowners, safe drivers, rideshare drivers, those on a budget and many others.

The average rate for Safeco insurance will cost you between $1,655 and $1,967 annually if you have good to exceptional credit. Average rates depend on a number of factors, which include credit, driving history, age, the discounts you qualify for and more.

Additional policies offered by Safeco

While Safeco is known for its car and home insurance, it offers many other insurance coverage options, including:

  • Boat and watercraft insurance
  • Motorcycle insurance
  • RV, trailer and motorhome insurance
  • Renters insurance
  • Condo insurance
  • Landlord insurance
  • Pet insurance

Frequently asked questions

How do I file a Safeco insurance claim?

Safeco makes filing a claim easy. File your claim 24/7 on their website. Either login or give Safeco a call to get great service to begin the process.

How do I get a Safeco insurance quote?

Get a Safeco insurance quote by visiting their website here and answering a few simple questions. Or, get even faster service by giving them a call and requesting a personalized quote.

Should I bundle my car and home insurance?

Bundling your car and home insurance from Safeco is a simple way to save big. Save up to 15% for combining policies.

How can I find an independent agent?

Simply type in your zip code on the Safeco website and find an agent near you to get started with a policy.