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Discounts for Safeco Auto Insurance

Here's what you need to know...
  • Each state establishes its own insurance minimums and guidelines
  • Safeco is offered in all 50 states through its independent agents
  • You will receive a list of agents in your area that you can physically visit
  • Your agent will help you construct a policy that is customized to meet your needs
Safeco Car Insurance discounts are available on the financial strength of its parent company, Liberty Mutual Group.

Safeco received an “A+” from A.M. Best and an “A-” from Standard and Poor’s insurance rating companies.

Moody’s graded the company with an “A2,” which is comparable to the A.M. Best and Standard and Poor’s rating.

To get online car insurance rates, simply enter your ZIP code into the above FREE tool.

Safeco Car Insurance Discounts for the Family

Savings written on a graph with a calculator beside it.

It is expensive enough these days to purchase an individual policy, not to mention how much it costs for a family policy.

With that in mind, talk with your agent about a multi-vehicle policy that will serve everyone in the family.

Family policies can be complex since the driving record of every driver in the family is taken into consideration when establishing a quote.

Some of the criteria Safeco Insurance will take into consideration are:

  • The average amount of miles each car is driven
  • Credit history of the people on the policy
  • Age of the drivers, and the vehicles
  • Location of the vehicle
  • The make and model of each vehicle
  • Safety features on the vehicle(s)

When it comes to the miles driven, the company wants to determine if the car will be driven less than 25,000 miles per year. If so, this will entitle the owner to a discount on premiums.

Your family’s credit history is also taken into consideration. If you and your spouse have good credit, you will be eligible for a lower rate.

The location of your home or your zip code is a key factor when establishing a rate as well. More populated areas mean greater risk. The vehicle make and model, color, and safety features also weigh heavily in rate determination.

The vehicle make and model, color, and safety features also weigh heavily in rate determination.

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Safeco Car Insurance Discounts for the Elderly

If you have been a Safeco Insurance customer for years, this company will recognize your loyalty, especially if you maintained a good driving record during this time.

Each state has its own policy regarding when a person’s driver’s license should be taken away due to inability to drive.

Most states use the vision test as a guideline for determining whether a driver is still able to maintain their driving privileges, while other companies include road tests.

New Safeco Insurance customers over age 55 can save with AARP or their car club memberships when establishing coverage. This discount may be combined with other discounts offered by Safeco.

If you have not maintained a good driving record, you may be considered a high-risk driver, and pay additional premiums.

Safeco Car Insurance Discounts for Teens


Teens are considered another high-risk category of drivers who can always use a break in premiums. Most teens are excited about the privilege of driving.

Unfortunately, teenagers are also involved in a high number of accidents every year. For this reason, many states offer incentives for teens to receive discounts on their insurance premiums.

Safeco offers Teen Safety Rewards as a way to help families save while introducing their teen to their insurance policy. Teen Safety Rewards use several tools to help encourage good driving habits from the start.

These are a few of the examples offered by Safeco Insurance:

  • Teen to Parent Contract an agreement by the teen to follow safety rules established between them
  • Good Student Discount helps insurance rates to decrease
  • Road Ahead Guide an educational tool
  • Distant Student Discount for students who are more than 100 miles away from home without transportation

To get car insurance quotes from Safeco and other local providers, enter your ZIP code in the search tool below.

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