Discounts For Safeco Car Insurance (Cheap Rates)

Discounts for Safeco car insurance include low mileage, good student, Safeco's loyalty rewrite, and more. Depending on where you live, Safeco's insurance rates may fall more than 20% below average, especially if you qualify for discounts.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Feb 16, 2021

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Here's what you need to know...

  • Discounts for Safeco Car Insurance are available in all 50 states through independent insurance agents
  • Safeco’s auto insurance discounts for new and existing customers include low mileage, insurance bundles, and safe driving
  • Safeco’s loyalty rewrite discount is only available to existing Safeco customers

Safeco Car Insurance has been providing coverage to customers since 1923. The company has been a member of Liberty Mutual, a top ten insurance company, since 2008. They may be on your list of options, but how can you know if they are one of the best car insurance companies out there? What are the auto insurance discounts with Safeco? Will they offer you a good insurance rate?

You don’t need to research all those details yourself. In this guide, we will tell you everything you need to know about Safeco car insurance and how to get the best insurance rate. Find out how you can save with auto insurance discounts, including the Safeco Loyalty Rewrite program, to help you decide if they can offer the best rate.

Is Safeco car insurance good? Find out below.

To get car insurance quotes from multiple companies and compare car insurance discounts, enter your ZIP code in the search tool below.

What are the Safeco Car Insurance Discounts?

Getting cheap car insurance rates is probably a top concern if you’re paying high rates. Whether you are insuring just you or your family, Safeco offers many discounts for drivers to make car insurance more affordable. Before you can get a discount, you have to figure out which ones you qualify for.

What car insurance discounts does Safeco offer?

You might default to thinking of the big providers for discounts like “What discounts does Geico offer?” but Safeco offers many discounts for drivers as well:

  • Get the package deal — When you combine home and auto insurance with Safeco, you can save 15 percent.
  • Take an Accident Prevention Course — Drivers that are 55 and older can take an accident prevention course and can receive a discount that lasts for three years.
  • Be a Safe Driver — This discount is available to drivers that have a clean driving record, drive a safe car, and take an accident prevention course.
  • Teen Safety Rewards — Provides tools, benefits, and discounts that help your teen be a better driver. This will also help manage the cost of adding your teen to your insurance.
  • Drive Less. Pay Less. — What is considered low mileage for Safeco Insurance? You can get a low mileage discount if you drive less than 8,000 miles a year. You can save up to 20 percent. Get Safeco low mileage discount if you qualify.
  • More than one car — When you insure more than one car with Safeco, you can get a discount.
  • Deter Thieves — You can qualify for an anti-theft discount if your car has an audible alarm, a starting system, and/or a disable device that renders the ignition and fuel.
  • Anti-Lock Brakes Discount — If your car has anti-lock brakes (ABS), you can qualify for a discount.
  • Own your own home — You can save on your car insurance if you own your own home.
  • Safeco Loyalty Rewrite — Part of the Safeco Ignite® rewards, recognized Safeco agents will have the power to rewrite existing customers a new policy with more affordable rates.

What is the Safeco Loyalty Rewrite?

The Safeco Loyalty Rewrite is a special loyalty discount program that is only offered through certain agents and is really more of an agent loyalty program. It allows the agent to rewrite your renewing Safeco policy as a new policy. That can benefit the agent and may also benefit you.

How? The Safeco agent rewards the customer and the customer rewards Safeco with future business.

For the agent, it means a bigger commission, because new policies earn them more money than renewals. That’s great for your agent, but what about you? Well, the rewrite may mean you can qualify for lower rates and discounts that are offered to new customers. That makes it a win-win. As an existing customer, use your Safeco auto insurance login to verify all your info is up-to-date and your Safeco insurance billing then reach out to your agent.

Can I Lower My Car Insurance Rates with Safeco Loyalty Rewrite?

Sometimes car insurance can be expensive, and depending on your age and gender, car insurance can cost a lot more. Safeco offers a couple of ways to lower your car insurance rates, including a Safeco Loyalty Rewrite that rewards longtime customers and insurance agents with lower insurance rates for their loyalty.

You can lower your car insurance rates by taking advantage of Safeco’s loyalty discounts and other car insurance discounts offered by the company, including low mileage discounts and owning a home. You can also take on a higher deductible to lower your car insurance rates.

If you are already a customer at Safeco, look into the car insurance discounts and lower your insurance rates. If you’re renewing your policy, ask your local agent about Safeco’s loyalty rewrite discount. If you qualify, your agent can rewrite your car insurance policy with a new one, and you can take advantage of lower car insurance rates as if you were a brand new customer.

What are some of the other features Safeco auto insurance offers?

Safeco also has coverage plans that set them apart for other insurance companies.

  • Reimbursement for first aid — Every Safeco policy has $10,000 in coverage. This is for the reimbursement of first aid after a car accident.
  • Accident Forgiveness — Does Safeco have accident forgiveness? Every policy has accident forgiveness. This kicks in after a few years, and you must not have any traffic violations.
  • Diminishing Deductible — If you don’t file any claims, Safeco will reduce your collision deductible by $100. This can happen after every annual policy renewal. You can get up to a maximum of $500.
  • Agreed Value Coverage — this coverage is for cars that have been declared a total loss after being damaged or stolen. You will receive the amount that was agreed on when you first got your policy; you will only have to pay the deductible.
  • Go Ahead and Drive — this coverage allows you to drive your classic car on days that are not special occasions. You can choose to drive more than 10,000 miles and use the regular use option or less than $5,000 miles and use the limited use option. You have the choice to split the policies in two.
  • The More the Merrier — Safeco will insure all your classic cars.
  • Low Mileage — Safeco has low mileage car insurance for drivers who drive less than 8,000 miles a year.

Do teen drivers qualify for insurance discounts with Safeco?

With Safeco, you can get Teen Safety Rewards if you qualify for some of these discounts. Check out the list of car insurance discounts for teenagers below:

  • Good Student Discount — You can get this discount if, your teen keeps a B average (3.0) or higher, gets honor roll, or is the top 20 percent in their class.
  • Driving Training Discount — This discount is available when teens complete an approved driving program.
  • Distant Student Discount — You qualify for this discount when your teen is in a school 100 miles away from home without a car.
  • New Independent Discount — This policy is great for college students. This discount is for drivers that are already on a Safeco policy, and they go on to get their own policy.
  • New Teen Reward — When you have been with Safeco for one year and add a teen to your policy, you can get 27 percent off.
  • Tenure Reward — If you live in a state without the New Teen Reward discount and have been with Safeco for two years, you can get a discount if you add a teen to your policy at your next renewal or if you already have a teen on your policy.
  • Safeco RightTrack® — You can enroll your teen in the RightTrack® program to monitor driving behavior. You can receive feedback on mileage, acceleration, braking, and nighttime driving. With this program, you can save up to 30 percent on car insurance.

What is Safeco RightTrack®?

Considering Safeco? Claim free cash back with Safeco RightTrack®, you can save money on car insurance by driving safely. All you to do is enroll in the program, and you can begin to save. You will receive a discount on your premium once you enroll. Safeco will give you a RightTrack® device to put into your car. You don’t have to pay to be in the program — it’s free, you just have to check and see if RightTrack is available in your state.

All you have to do is drive like you normally do for 90 days. At the end of the program, you will be eligible to receive a 30 percent discount. If you don’t want to continue the program, you can stop at any time during the 90 days. However, you will no longer be able to get a discount.

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What’s Different About Safeco Car Insurance Coverage?

Along with their wide array of car insurance discounts, Safeco Insurance provides different types of protection for their drivers. Drivers also have the option of canceling their insurance coverage at any time without fees or penalties.

Safeco car insurance coverage includes:

  • Comprehensive car insurance — this coverage helps pay for damages that occur to your car that is not caused by a collision. This can include:
    • A stolen vehicle
    • A vandalized vehicle
    • Damage from fire, floods, or falling objects
  • Collision insurance — this helps pay for damages that occur as the result of an accident when another driver isn’t responsible for the damage
  • Bodily Injury Liability — this helps pay for hospital bills and medical care caused by an accident that you were responsible for.
  • Property Damage LiabilityWhat is the definition of liability for property damage in car insurance? It pays for the damages to the other driver’s vehicle by an accident that you caused.
  • Personal Injury Protection and Medical Payments — Got questions about PIP insurance claims? this coverage helps pays for medical expenses that you and your passengers face in an accident. This coverage may or not be required depending on your state laws.
  • Uninsured and Underinsured Motorists coverage — this helps cover you when you are in an accident with a driver that doesn’t have enough insurance or no insurance. This pays for medical expenses and damages to your car.
  • Safeco classic car insurance – According to their website: “We specialize in covering antique and classic cars, modified collector cars, reproductions, replicas, restorations, and modern classic cars.”

Other Coverage Includes:

  • Emergency Assistance Package
  • Loan and Lease Coverage
  • Electronic Key and Lock Replacement
  • CD and DVD Replacement
  • New Car Replacement
  • Audio-Visual and Custom Equipment Coverage
  • Pet Coverage
  • Personal Property Coverage

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What is Safeco Ultra level protection?

Drivers who want the best protection look to Safeco Ultra. This coverage has all the features included in the other coverage policies (Safeco Essential, Safeco Enhanced, and Safeco Superior) but also provides features such as emergency assistance package, roadside assistance, gap coverage, and dog and cat coverage.

Does Safeco have a grace period?

Safeco does have a grace period for new cars. If you get a new car, your current policy will extend coverage to your new car for a little while (this will vary by state). A grace period can cover a new car up to a certain amount of days before you can add it to your insurance.

Does Safeco have gap insurance?

Gap insurance is an interesting name, for coverage, but it is important. If an accident occurs, and your car is badly damaged or totaled, gap liability insurance helps. It covers the difference between what you owe on the car and what the car is worth.

If you don’t have gap insurance, you should consider it if:

  • You have made less than a 20 percent down payment.
  • Your car has been financed for longer than 60 months.
  • You are leasing a vehicle
  • You have purchased a vehicle that diminishes quickly
  • There is negative equity from an old car loan.

Does Safeco offer rental car coverage while my car is being repaired?

With Safeco, your policy includes rental car coverage. Safeco can arrange a rental car for you if you need one. There may be restrictions that apply. Many states require you to pay for gas for the rental car, damages waivers, and fees for underage drivers. You can contact your claims representative to discuss your rental coverage details.

If your car is repairable, you will have your rental until your car is out of the shop. You will be able to receive your rental once your car is scheduled to be repaired and the shop gets the needed parts.

It is recommended that you schedule your repairs earlier in the week in case you face any delays.  Unnecessary delays will not be included in the rental car period. This can include:

  • You do not notify Safeco about your vehicle recovery location in enough time.
  • You do not release the vehicle you the tow yard in enough time.
  • You do not authorize repairs on your car to begin.
  • The repair shop does not get the parts needed in time to repair the car.
  • The repair shop delays the repairs on your car or doesn’t release the vehicle after the repairs are complete.

What happens when your car is totaled? Once Safeco gets the notification of the value of your vehicle, you will no longer be able to have a rental car.

How does Safeco determine the actual cash value of a totaled car?

If you are in a car accident and your car is damaged, and if the repair cost is more than the car’s worth, your car will be totaled. Vehicles have ACV (actual cash value). Insurers use the AVC and compare it to the cost of repairs to determine if your car is totaled or not.

Insurers look at the condition of your car; they make sure that it is in good condition. They look to see how many miles are on your car. Insurers consult with the National Automobile Dealer Association (NADA) and Kelly Blue Book to determine whether or not to total your car.

NADA represents all franchised dealers, both domestic and import, before the public, media Congress and federal agencies. They develop data on the car industry. Kelley Blue Book gives you all the information you need to research new and used cars and cars to sell.

If you have an older vehicle and get into a car accident, a total loss might be inevitable. Insurers also have to consider if your vehicle can be made safe again. The repairs are to make the car safe and get it back on the road. If the repairs won’t help or if the cost is too much, the car will be totaled. When determining whether your car can be salvaged or not, insurers must abide by state laws.

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How long do you have to file a claim with Safeco?

You can contact Safeco 24 hours a day, seven days a week. The company gives you an opportunity to file a claim online and walks you through all the steps. The amount of time needed for your claim to process varies. After an accident, you should call Safeco to file a claim as soon as possible.

How long it takes to get a Safeco insurance claims payout will depend on a number of factors, including the nature of the claim and how much investigation is required.

Can I Compare Safeco Insurance Rates with Other Car Insurance Companies?

Safeco is one of the most popular car insurance companies in the United States. Although it might not be the cheapest company, Safeco does have things that set it apart from other companies.

Below are the annual rates for Safeco and other popular car insurance companies in California.

Annual Average Car Insurance Rates by Company in California
CompanyAverageCompared to California Average Sources
Allstate Northbrook Indemnity$4,533.09$843.4718.61%Quadrant Information Services
Farmers Ins Exchange$4,999.27$1,309.6426.20%Quadrant Information Services
Geico General$2,886.24-$803.38-27.84%Quadrant Information Services
Safeco Ins Co of America$3,035.17-$654.45-21.56%Quadrant Information Services
AMCO Insurance$4,653.58$963.9620.71%Quadrant Information Services
United Financial Casualty$2,851.14-$838.48-29.41%Quadrant Information Services
State Farm Mutual Auto$4,202.72$513.1012.21%Quadrant Information Services
Travelers Commercial Ins Co.$3,350.78-$338.84-10.11%Quadrant Information Services
USAA CIC$2,694.62-$995.00-36.93%Quadrant Information Services
Total Average$3,689.62$0.000.00%Quadrant Information Services
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Compared to other car insurance companies, Safeco offers more overage and more discounts. It may also have more coverage options than other companies.

How does Safeco’s reputation compare to other car insurance companies?

So, is Safeco insurance any good? Let’s look at their reputation. Below are the number of complaints for Safeco and other car insurance companies from 2019, courtesy of the National Association of Insurance Commissioners (NAIC). As you can see, Safeco does not have as many complaints as some other insurance providers.

National Association of Insurance Commissioners Car Insurance Company Complaint Index
CompanyComplaints
Allstate Northbrook Indemnity222
Farmers Ins Exchange44
Geico General498
Safeco Ins Co of America192
AMCO Insurance88
United Financial Casualty123
State Farm Mutual Auto1,547
Travelers Commercial Ins Co.61
USAA CIC377
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If you are considering Safeco, you’ll want to know more about the company. You can use online reviews, such as Safeco Insurance reviews on Yelp and other online sources to determine whether or not you’ll use the company as an insurer, but you will want honest reviews.

How does Safeco Insurance rate with J.D. Power?

J.D. Power rates insurance companies by region in their auto insurance survey. Safeco doesn’t appear in all of the regional surveys, but on those where the company does appear, the rating is either two or three overall out of five.

Safeco earned three out of five on the national claims satisfaction survey. The company ranks right about the same as the results for Progressive Insurance reviews with J.D. Power.

What is the Safeco insurance A.M. Best rating?

A.M. Best gave Safeco an “A,” which means that the company is good as far as its financial ratings.

A.M. Best gives insurance companies financial ratings.  A company with a bad financial rating can deteriorate you from wanting to get coverage from them.

Why do car insurance companies offer discounts?

You don’t have just one expense to cover when you’re an adult. You have to worry about paying for all the following:

  • utilities
  • housing
  • car loans
  • a long list of other bills

Fortunately, you can qualify for savings by taking advantage of special discounts through your phone carrier, your cable service provider, and more of the companies that you do business with.

All companies offer their customers discounts to attract more customers. Since everyone likes to save money, it’s a good way to reward clients for being loyal or bringing on referrals.

When it comes to auto insurance premiums, the discounts can be applied for a few different reasons including these:

  • you’re a safe driver
  • you’re mitigating loss
  • you’re being rewarded for good driving habits

You’d think that you would just pay less for your personal insurance rates just for being a good driver. While that is essentially true, the best way to keep premiums low is to do business with an insurer that has a lot of unique discounts that can be stacked one on top of the other.

Not all companies offer the same discounts, so it’s up to you to shop the market to find the best ones.

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Frequently Asked Questions About Safeco Insurance

Still have questions? Take a look below for some common questions and their answers.

#1 – Are Liberty Mutual and Safeco the same company?

Liberty Mutual owns Safeco, making them the parent company, but Safeco operates independently. They pay their own claims and have their own financial standing. As part of Liberty Mutual’s family of companies, however, they do have the financial backing of the larger company.

#2 – How much will my insurance go up after an accident with Safeco?

That depends on whether or not it’s your first accident, and if so, whether it qualifies for accident forgiveness. Not every accident will qualify. It’s best to ask your Safeco representative for details.

#3 – Where can I find Safeco Insurance RV reviews?

Most of the information above regarding Safeco’s reputation will also apply if you’re looking for RV insurance. The company’s reputation remains the same regardless of the policy type. Local RV owner forums may provide you with more specific information on the experience of others with Safeco’s RV policy.

What is the best car insurance company for you? The best way to find out is to start by comparing quotes. Save today on car insurance by entering your ZIP code in the search tool below to get started.

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