What discounts does Safeco offer?

Safeco car insurance discounts include anti-lock brakes, good student, and auto-billing discounts. Safeco car insurance discounts are categorized as vehicle, driver, or policy 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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Founder & CFP®

UPDATED: Jan 26, 2021

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Here's what you need to know...

  • The General was founded in 1923 and started to operate under the new name Safeco Insurance 30 years later
  • The company now offers property & casualty products along with life insurance and was acquired by Liberty Mutual
  • Safeco is known for its disciplined underwriting process which allows the company to offer competitive premiums
  • While Safeco is a Liberty Mutual Company, the two offer different auto insurance discounts to drivers
  • Currently, Safeco offers customers 30 different vehicle, driver, and policy discounts

Safeco insurance has been in business for almost 100 years but that’s shocking news to many because it’s gone by many different names. Ever since 1923, Safeco has promised its customers that agents will be there for policyholders when they need them the most.

As with all companies, Safeco has had financial troubles in the past. In the early 2000s, the company was able to recover and become the financially strong insurer it once was.

In 2008, Safeco was acquired by Liberty Mutual and remained a leader in the personal insurance industry.

One way that the business was able to stay reputable is by offering fair rates by way of car insurance discounts.

Compare car insurance quotes today to find the company that offers you the best rates. Enter your zip code into our free comparison tool above to get started.

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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Discounts Offered by Safeco


You’d think that since Safeco is now a Liberty Mutual Insurance Company, it would offer very much the same discounts as the parent company.

That’s not the case because each brand targets a different audience and that creates a need for a different menu of discounts for drivers, vehicles, and good lifestyle habits.

Currently, Safeco Insurance offers 30 different unique discounts that are available to be applied to personal car insurance policies. Compared to Liberty Mutual’s 38 discounts, this number is low.

Compared to the rest of the top writers in the industry, Safeco offers an average number of discounts. Here are the discounts to look for:

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Vehicle Discounts Offered by Safeco

  • Anti-Lock Brakes – Will be applied once VIN is submitted
  • Anti-Theft – For both passive and active alarms or alarms that sound or disable the engine
  • Daytime Running Lights – Will be applied once VIN is submitted
  • Newer Vehicle – For vehicles five years old or newer
  • Low Mileage – Largest discount for cars driven 4000 miles or less per year but discounts available for cars driven up to 25,000 miles
  • Passive Restraints
  • Vehicle Recovery – For vehicles installed with LoJack, Teletrac, or OnStar systems
  • VIN Etching

Driver Discounts Offered by Safeco

  • Defensive Driver Accident Prevention – A three-year discount for drivers 55 and older who take an approved mature driver course
  • Distant Student – Student driver who is attending college 100+ miles away
  • Driver’s Education – Must be under 21, free of accidents, and complete a driver’s education course for teens
  • Good Student – Must be under 25 and have a B average or better but discounts drops one percent for every year of driving experience
  • Further Education – Must have a Bachelor’s degree or higher
  • Homeowner – Named insured or spouse must own a home or condo
  • Occupation – Discounts for business owners, teachers, firefighters, police officers, educators, and employees of certain companies
  • Military – Active-duty and retired
  • Married – Discount if spouse is a rated driver on the policy
  • Safeco Safety Rewards – Driver must be free of at-fault accidents in the last three years, DUIs in the last 10 years and have no more than one point on their driver’s license
  • Stable Residence – Must be at the home address listed for one year or more
  • Teen Safety Rewards – Only offered at Safeco

Policy Discounts Offered by Safeco

  • Continuous Coverage – Being with a prior company for one year or more qualifies for a discount and the savings is higher when you’ve been insured by the same carrier for five or more years
  • RightTrack – Save five percent for each car when you initially sign up and then get up to a 30 percent discount dependent on your driving habits
  • Early Quote – Must pay for the premiums due to activate coverage eight days or more before the effective date
  • Full Payment – Must pay 100 percent of the premiums before coverage takes effect
  • Credit Insurance Score
  • Tenure Loyalty Reward – After two years of being insured by Safeco continuously you will receive a loyalty award
  • Financial Stability – For all drivers with a good credit insurance score and a stable residence
  • Multi-policy – Savings for maintaining more than one line of insurance with Safeco
  • Multi-car – For insuring two or more cars with Safeco or a subsidiary
  • Auto Billing – For setting up automatic payments

Safeco has remained a powerful force in the auto insurance industry for more than 90 years by offering both quality service and competitive rates.

If you’re interested in seeing how many discounts you’ll qualify for, find out by getting a quote.

Use our online rate comparison tool to browse through all of the discount offerings and see how many of the 30 you’ll get today. Enter your zip code below to get started.


  1. https://www.safeco.com/about/
  2. https://www.thebalance.com/what-is-insurance-underwriting-2645778
  3. https://www.iii.org/article/how-can-i-save-money-auto-insurance
  4. https://www.safeco.com/products/auto-insurance/discounts/low-mileage
  5. https://www.safeco.com/products/auto-insurance/discounts/safety-rewards
  6. https://www.safeco.com/products/auto-insurance/discounts/teen-safety-rewards
  7. https://www.safeco.com/products/auto-insurance/discounts
  8. https://insurance.safeco.com/auto

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