Safeco Car Insurance Review [2023]

Safeco has cheaper-than-average rates and a good selection of coverages, but its customer complaint ratio is higher-than-average. In addition, Safeco car insurance reviews find that it has poor customer service and claim satisfaction.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

Full Bio →

Written by Rachel Bodine
Feature Writer Rachel Bodine

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...

Full Bio →

Reviewed by Joel Ohman
Founder & CFP® Joel Ohman

UPDATED: Feb 6, 2023

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

UPDATED: Feb 6, 2023

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

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Safeco

Average monthly rate for good drivers:

$71

A.M. Best rating:

A

Complaint level:

Low

Pros

  • Safeco car insurance quotes are cheaper than the national average rates.
  • Safeco has a good array of auto insurance coverages for those who want a more complete policy.
  • Safeco has discount programs like accident forgiveness, disappearing or zero-deductible car insurance, and rewards for safe driving.

Cons

  • Safeco’s ratings are below the industry average on J.D. Power’s claim satisfaction study.
  • Safeco’s number of customer complaints is higher than the average.
  • Safeco doesn’t offer online quotes, so you will have to contact a Safeco agent to get a quote.

The Bottom Line

Safeco is owned by Liberty Mutual, one of the best car insurance companies, and offers a variety of coverage options and discounts for customers. Its auto insurance rates are also below the national average.

However, Safeco does have a higher-than-average complaint ratio, which may give some consumers a reason to pause before choosing Safeco.

If you are considering Safeco as a car insurance company, our Safeco car insurance review goes over everything you need to know about the company. Continue reading to learn about Safeco customer service, insurance rates, coverages, financial ratings, and more.

Safeco is owned by Liberty Mutual, one of the best car insurance companies, and offers a variety of coverage options and discounts for customers. Its auto insurance rates are also below the national average.

However, Safeco does have a higher-than-average complaint ratio, which may give some consumers a reason to pause before choosing Safeco.

If you are considering Safeco as a car insurance company, our Safeco car insurance review goes over everything you need to know about the company. Continue reading to learn about Safeco customer service, insurance rates, coverages, financial ratings, and more.

Is Safeco Insurance a Good Choice?

Safeco has a number of pros and cons. We’ve outlined the main pros and cons of Safeco below, so you can immediately get an idea of if Safeco is a good choice for you or if there is a con that eliminates Safeco as a contender for your needs.

Safeco Pros

There are multiple pros to Safeco as a choice auto insurance company, including

  • Safeco car insurance quotes are cheaper than the national average rates.
  • Safeco has a good array of auto insurance coverages for those who want a more complete policy.
  • Safeco has discount programs like accident forgiveness, disappearing or zero-deductible car insurance, and rewards for safe driving.

Safeco is also owned by the parent company Liberty Mutual, one of the largest car insurance providers in the U.S. This means that a well-known company backs Safeco financially. This Liberty Mutual car insurance review will tell you everything you need to know about the company.

Safeco Cons

Safeco also has some cons that customers should be aware of, which are:

  • Safeco’s ratings are below the industry average on J.D. Power’s claim satisfaction study.
  • Safeco’s number of customer complaints is higher than the average.
  • Safeco doesn’t offer online quotes, so you will have to contact a Safeco agent to get a quote.

Safeco’s main con is that it has a higher-than-average number of complaints and scored low with J.D. Power, reflecting poor customer service overall.

Safeco Contact Information

To contact Safeco, you generally need to speak with your Safeco agent or log into your Safeco insurance account.

If you don’t have a Safeco account and want to get a quote, you will need to reach out to Safeco at 1-800-332-3226.

The best way to make changes to your account is to do so online, as Safeco will allow you to do all of the following:

  • Check billing history, pay bills, and change billing information.
  • Update personal information, download policy documents, and print or order new ID cards.
  • File car insurance claims and check the status of your claims.
  • Add or remove drivers from your car insurance policy.

You will have to contact your Safeco agent for any other updates to your auto insurance policy.

However, Safeco has two phone numbers outside of agents for car insurance claims and roadside assistance:

  • General Number: 1-800-332-3226
  • Roadside Assistance Number: 1-877-762-3101

In most cases, if you can’t do your task online, you will have to reach out to your Safeco agent. However, the lack of a general number to call Safeco for customer service assistance and the lack of online quotes can be a deterrent to some customers.

Safeco Ratings and Reviews

Ratings and reviews are the best way to determine if a car insurance company has a good reputation for customer service and a strong financial base. We go over all the important reviews and ratings of Safeco below.

Safeco Customer Satisfaction and Complaints

Safeco has an A+ rating from the Better Business Bureau (BBB), which is great. However, Safeco has had a total of 1,804 complaints closed on the BBB within the last three years and a total of 904 complaints closed within the last year.

This is a high number of complaints, and Safeco also had a higher complaint ratio than average from the National Association of Insurance Commissioners (NAIC).

J.D. Power also ranks Safeco as mediocre in its customer claims satisfaction study, with Safeco scoring below the industry average and Liberty Mutual. Safeco wasn’t the worst car insurance company in J.D. Power’s study, but many companies have much better customer service.

Safeco A.M. Best Rating

A.M. Best gave Safeco a rating of A (excellent), which is a good score. While it’s not the highest score possible at A.M. Best, an A means Safeco is in good financial standing. It also means Safeco is able to meet its ongoing financial obligations to customers and shareholders, so it isn’t at risk of going bankrupt.

Safeco Mobile App Reviews

Being able to manage a car insurance policy online is convenient for the majority of drivers, so we want to take a look at the reviews for Safeco’s mobile app.

Safeco has the following reviews on Google Play and the Apple Store:

  • Apple Store Rating: 4.2 stars out of five from 3.9 thousand reviews
  • Google Play Rating: 4.8 stars out of five from 89.9 thousand reviews

Safeco’s mobile app has great reviews. On the mobile app, Safeco customers can do all of the following:

  • Access your car insurance ID cards and save them to your Apple Wallet.
  • Contact your Safeco insurance agent.
  • Contact roadside assistance.
  • File claims and get claim updates.
  • Pay bills and set up automatic payments if desired.
  • Request a damage review.
  • Request a rental car.
  • Track your repairs and view estimates for repairs.

The Safeco mobile app is convenient, allowing you to file claims from your smartphone and request roadside assistance or rental cars.

Safeco Insurance Rates

So far, Safeco hasn’t had the best customer ratings, but it offers a good array of coverage. And, as you will see in this section, its rates are also very affordable.

Compare Safeco car insurance rates for minimum liability car insurance and full coverage car insurance below:

Safeco's Average Monthly Car Insurance Rates vs. the National Average
Coverage TypeSafeco's Monthly RatesNational Average
Minimum Coverage$26.68$45.45
Full Coverage$70.78$119.27

Safeco Car Insurance Rates by Age

Of course, rates will also vary based on age. Younger drivers will pay more for car insurance due to their driving inexperience, no matter what car insurance company you choose. The good news is that Safeco provides the best car insurance by age and charges less than the national average for all drivers who have clean driving records.

See how Safeco auto insurance rates compare to other top companies for young and experienced drivers:

Average Monthly Full Coverage Car Insurance Rates for Teens at Safeco vs. Other Top Insurers
CompanyMale Teen DriverFemale Teen Driver
Safeco$360$344
Geico$312$297
State Farm$349$310
American Family$509$414
Allstate$638$608
Farmers$773$810
Progressive$814$801
Liberty Mutual$785$722
USAA$249$245
Nationwide$476$411

Safeco has decent rates for teenage drivers and economical rates for other ages as well.

Safeco Car Insurance Rates by Driving Record

Bear in mind that your rates at Safeco will also depend on your driving record. See below Safeco’s average rates for drivers with DUIs, at-fault accidents, and tickets.

Compare car insurance rates with a bad driving record from Safeco and more companies below:

Average Monthly Full Coverage Auto Insurance Rates Based on Driving Record at Safeco vs. Other Top Insurers
Insurance CompanyRates with a TicketRates with a Clean RecordRates with a DUIRates with an Accident
Safeco$81.12$70.78$122.21$109.77
Allstate$195.17$166.08$303.17$237.33
American Family$130.92$115.50$177.00$166.67
Farmers$175.67$139.50$191.33$198.58
Liberty Mutual$216.67$176.67$325.00$236.67
Nationwide$144.75$120.42$252.33$165.25
Progressive$142.50$109.17$146.67$190.33
State Farm$102.25$90.92$124.17$107.08
Travelers$148.33$107.25$230.42$157.33
Average$151.50$123.08$218.25$176.92

Safeco’s average car insurance rates are below the national average, even for drivers with DUIs, which is great.

However, while Safeco is cheaper than the national average, this doesn’t mean it is the cheapest company available. The only way to know for sure that you are getting the cheapest car insurance rate possible is to get quotes from a few different companies in your area.

As car insurance rates are always changing, we also recommend comparing auto insurance quotes every year or anytime you meet the following situations:

  • You added a new driver to your car insurance policy.
  • You added a new car to your car insurance policy.
  • You moved to a new area or state.
  • You recently got a traffic ticket, caused an at-fault accident, or were convicted of a DUI.

Some companies may offer cheaper rates for a certain demographic, even if their rates are normally more expensive than other companies. That’s why getting multiple quotes will ensure that Safeco is still the right company for you. Learn how to compare car insurance quotes.

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Safeco Insurance Discounts Available

Safeco doesn’t offer as many car insurance discounts as other car insurance companies, but this is likely because its rates are already on the cheaper side.

The most popular Safeco car insurance discounts are:

  • Accident forgiveness: Safeco won’t penalize your first at-fault accident with the company as long as you have been accident-free and violation-free for a few years.
  • Bundling policy discount: Safeco offers a multiple-policy discount for customers who buy more than one type of insurance from the company, such as bundling a home and auto insurance policy.
  • Claims-free cash back: Safeco will return you 2.5% of your policy premium for every renewal period you go accident-free (up to 5% per year).
  • Disappearing deductible: Safeco will decrease the deductible up to $500 on your collision insurance for each renewal period you go through without filing a claim.
  • Right Track program: Safeco has a safe driving program that can save drivers who score well up to 30% off their car insurance policy.

As you can see, Safeco’s list of auto insurance discounts is short. There are no auto insurance discounts for students, anti-theft devices, low mileage, or other common car insurance discounts offered at other auto insurance companies.

Safeco Insurance Coverage Options

Safeco offers a good array of auto insurance coverages for customers to choose from. In addition to state-required coverages like liability insurance, Safeco offers add-on coverages like roadside assistance.

Take a look at Safeco’s list of car insurance coverage options below:

  • Bodily injury liability insurance: This coverage pays for other people’s medical bills if you cause a car accident that injures others.
  • Property damage liability insurance: This coverage will pay for other people’s property damage bills if you cause an accident that damages their property, whether their car or fence.
  • Collision insurance: This coverage pays for your car’s repairs if you crash into another vehicle or a stationary object like a tree.
  • Comprehensive insurance: This coverage pays for your car’s repairs if you crash into an animal, acts of vandalism, or weather damage to your car.
  • Medical payments (MedPay) coverage: This coverage pays for you and your passengers’ medical bills if you are injured in a car crash, regardless of who caused the accident.
  • New car replacement insurance: This coverage will pay for a comparable car if your new car that is less than a year old is stolen or totaled.
  • Classic car insurance: This coverage provides liability insurance, as well as collision and comprehensive, for classic cars that are only driven to shows or the occasional hobby drive during nice weather.
  • Rental car reimbursement: This coverage will help pay for the cost of a rental car if your car is in the shop for an extended period.
  • Roadside assistance: This coverage helps provide roadside assistance and towing if your car breaks down.
  • Underinsured motorists insurance: This coverage helps pay for your accident bills if the driver who hits you doesn’t have enough insurance to cover your bills.
  • Uninsured motorists insurance: This coverage helps pay for your accident bills if the driver who hits you doesn’t have car insurance coverage.

It doesn’t have gap coverage or rideshare insurance, but it offers several other optional car insurance coverages beyond the basics that should be more than adequate for most drivers.

Other Insurance Types Offered at Safeco

Safeco does sell other types of insurance in addition to car insurance.

The full list of Safeco’s insurance options is as follows:

  • ATV and off-road-vehicle insurance
  • Boat and watercraft insurance
  • Commercial insurance
  • Condo insurance
  • Golf cart and low-speed vehicle insurance
  • Homeowners insurance
  • Home warranty insurance
  • Identity recovery insurance
  • Landlord insurance
  • Motorcycle Insurance
  • Pet health insurance
  • Property insurance
  • Recreation vehicle (RV) insurance
  • Renters insurance
  • Umbrella insurance

If you want to keep multiple insurance policies at one company, Safeco makes it easy to do so. Safeco also offers a bundling discount if you purchase more than one type of insurance from the company.

For example, you could buy home and auto insurance or home and watercraft insurance.

How to File a Claim at Safeco

You have a few options when filing a car insurance claim at Safeco. You can choose to file online through your Safeco account or the Safeco app, or you can file over the phone by calling Safeco’s claim number at 1-800-332-3226.

Filing car insurance claims online tends to be the quickest option for most drivers, and it also allows you to submit pictures online immediately from your smartphone.

The information you need to file a car insurance claim at Safeco includes the following:

  • Your Safeco policy number if filing over the phone and not through your account.
  • How, when, and where the car accident occurred.
  • Names, contact information, and insurance information of any involved parties.
  • Pictures of the damages to the vehicles and the accident scene.
  • Police reports, if any officers were called to the scene of the accident.

The more information you collect for Safeco, the quicker your car insurance claim will be approved or rejected. Once Safeco has reviewed your information and approved your car insurance claim, it will send you a claim estimate.

You will have to sign any necessary documents from Safeco to receive your claim payout. Then, the car insurance claim will be resolved.

How to Cancel Safeco Car Insurance

You will likely have to reach out to your independent Safeco agent to cancel your policy or call the company directly at 1-800-332-3226. Follow our step-by-step guide to learn how to cancel car insurance.

You will need your policy information to cancel, and it’s important to make sure you have a date for when you want your policy to end. You will want this end date to be after your new car insurance policy starts. This way, you will avoid any lapses in auto insurance coverage that are illegal and will raise your car insurance rates.

Driving without insurance, even a day or two, can increase your auto insurance rates, so double-check your start and end dates. Make sure to also check for confirmation that your cancellation at Safeco was effective, whether it’s confirmed through email or mail.

The Final Word on Safeco Car Insurance

Safeco has a good selection of car insurance coverages and cheaper-than-average auto insurance rates. It also has a good financial rating, customers highly rate its mobile app, and it has discount programs like accident forgiveness that can save customers a significant amount of money.

The downsides to Safeco are that it has a higher-than-average complaint ratio from the NAIC and scored less than the industry average on J.D. Power’s customer satisfaction surveys.

While Safeco seems to have good rates and coverages, customers may not be happy with the level of service they receive from the company.

If you are interested in getting quotes from other companies to compare to Safeco, use our free quote comparison tool below. It will help you find the best auto insurance rates from companies in your area based on your individual driving profile and coverage needs.

Frequently Asked Questions

How much does car insurance cost at Safeco?

How much Safeco car insurance costs depends upon your personal demographics, vehicle, location, driving record, and more. The only way to know what you will pay at Safeco is to get a car insurance quote. However, Safeco’s rates tend to fall below the national average, so it is one of the cheaper companies on the market. Contact a Safeco insurance agent today to find out what your rates will be.

How can you buy car insurance from Safeco?

You can’t buy car insurance or get a quote from Safeco online. Instead, you will have to reach out to one of Safeco’s independent agents to get a quote and purchase a policy. You can search for an independent Safeco agent on Safeco’s website using either your zip code or an agency’s name to find an agent near you.

Does Safeco have accident forgiveness?

Yes, Safeco does offer accident forgiveness. Your car insurance rates won’t go up after an accident, which offers significant savings if you cause an accident. However, you must be accident-free at Safeco for a set number of years to qualify, and Safeco accident forgiveness is not applicable in California. Safeco accident forgiveness can help protect you from increased rates as long as you maintain a clean record for several years first.

How can you file a claim with Safeco?

You can file a car insurance claim online through your Safeco account or the Safeco Mobile app. You can also call Safeco at 1-800-332-3226 to file a claim.

You will need all the relevant details of the car accident in order to file a claim at Safeco, such as:

  • When, where, and how the car accident happened.
  • Contact information of any witnesses.
  • Contact information and car insurance information of any involved parties.
  • Police report if police were called to the accident scene and a police report was filed.
  • Photos of the damages to your car, damages to others’ vehicles, and damages to any property.

Safeco will guide you through what it needs, but it is best to collect as much information as possible beforehand so that the process goes smoothly. After you collect all of the relevent information, then you can file your claim through Safeco.

Is Safeco a good car insurance company?

Safeco has a good rating from the BBB and A.M. Best, as well as economical car insurance rates and a good array of car insurance coverages. However, potential customers of Safeco should be aware that Safeco scored below the industry average on customer satisfaction studies and had a higher-than-average ratio of complaints with the NAIC.

Where does Safeco sell car insurance?

Safeco sells car insurance in all 50 states. However, Safeco’s car insurance coverage options and discount options may not be available in every state. You will have to talk to a local independent agent to see what Safeco offers for your state.

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Enter your ZIP code below to view companies that have cheap car insurance rates.

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Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

Full Bio →

Written by Rachel Bodine
Feature Writer Rachel Bodine

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...

Full Bio →

Reviewed by Joel Ohman
Founder & CFP® Joel Ohman

Reviews
for Safeco Insurance

3.98 (1,143 reviews)
1
November 26, 2022

NatQueenCole

Canceled policy without notice

They have canceled my policy twice now for returned payments. The first one was a bank error. Over draft should've pulled funds from our savings but didn't. 2nd one was after switching credit unions. I received no phone call, text, email or letter about the payment until they canceled. I've been driving with no insurance for a week & didn't even know it!? We definitely would have switched our auto pay account to the new bank right away had we kno...
They have canceled my policy twice now for returned payments. The first one was a bank error. Over draft should've pulled funds from our savings but didn't. 2nd one was after switching credit unions. I received no phone call, text, email or letter about the payment until they canceled. I've been driving with no insurance for a week & didn't even know it!? We definitely would have switched our auto pay account to the new bank right away had we known! Wepay every 6 months so it wasn't caught with the rest of our accounts rights away. We only chose this company because a quote bundled it well with our home policy.
1
November 14, 2022

araeyoung

HORRIBLE company, zero stars

We decided to go with this company because at the time it was the cheapest. We liked them up until we were in an accident where another driver was driving in the wrong lane and hit us head-on. This company is absolute garbage! No one ever answers the phone, we had documents lost which we had to re-sign, and it took months for us to get our money from the accident. And now when I am trying to add another vehicle to our policy, I can't get through ...
We decided to go with this company because at the time it was the cheapest. We liked them up until we were in an accident where another driver was driving in the wrong lane and hit us head-on. This company is absolute garbage! No one ever answers the phone, we had documents lost which we had to re-sign, and it took months for us to get our money from the accident. And now when I am trying to add another vehicle to our policy, I can't get through to anyone. They are SO frustrating to deal with, DO NOT work with this agency.
1
October 13, 2022

shirleystonejones

RUN

If you want to pay a good price for insurance, Safeco is it. If you want them to pay for an accident, Safeco IS NOT IT. I canceled my insurance last February on our snowmobile and added the new one. Then in April, I found out the new one was never added, and I was still paying for the old one. So if we would have gotten into an accident during snowmobiling, we would not have been covered. I never got reimbursed. I complained many times about not ...
If you want to pay a good price for insurance, Safeco is it. If you want them to pay for an accident, Safeco IS NOT IT. I canceled my insurance last February on our snowmobile and added the new one. Then in April, I found out the new one was never added, and I was still paying for the old one. So if we would have gotten into an accident during snowmobiling, we would not have been covered. I never got reimbursed. I complained many times about not honoring their mistake. I was in a car accident in February. I called my agent. He said he would put in the order. I got the quotes he said to get from 2 shops and sent them to him. In May, I had not heard back from him, so I called, and he stated he had forgotten. In April, I called him again he said he would do it right then. I said I've been losing money since February because I can't drive to work. His exact words were, "ok, let's get your car in, get it fixed, and get you on the road." So I did. I got it in a shop, got it fixed, and sent him the bill. It was denied. I went to corporate, and they did not honor what the agent told me to do, and now I have a huge bill. I called my agent to have a vehicle added because I was going to take it on a 7-hour drive. He did not do it, so I drove it on the interstate, and if I would have been in an accident or gotten pulled over, I would have gotten into so much trouble. I called corporate, and they honored nothing. But I got insurance at a good cost with lots of coverage but no company honor to pay. I'm in the process now of hiring an attorney to sue them, and he says I have a solid case. I gave them many chances to make their many mistakes right, but they refused. They finally canceled the old snowmobile, and I guess that makes it right in their eyes, but it doesn't. I paid my bill every month for a service I may or may not have needed, and when I did, they screwed me over. This has been almost a year, and that is long enough to hope they would do the right thing with me.
5
September 21, 2022

RioRobin

Safeco is awesome!!

We unfortunately had to file our first claim this week. After many years of paying insurance, we were a bit apprehensive as this was the cheapest insurance we could find. Several times other companies have tried to steal us, but rates dont come close to safeco. [REDACTED NAME] [REDACTED NAME] was our claim manager, and I cannot say enough great things about her, but will try: She was very patient and answered all our questions in a clear to und...
We unfortunately had to file our first claim this week. After many years of paying insurance, we were a bit apprehensive as this was the cheapest insurance we could find. Several times other companies have tried to steal us, but rates dont come close to safeco. [REDACTED NAME] [REDACTED NAME] was our claim manager, and I cannot say enough great things about her, but will try: She was very patient and answered all our questions in a clear to understand way!! She showed sincere sympathy for our situation, and worked hard to get our claim handled in less than 2 days! We hope you realize, She is one of your companies greatest assets! Thank you [REDACTED NAME] and everyone at safeco for taking care of your customers!! Robin & Mark [REDACTED NAME]
2
September 16, 2022

Ado86

Loss of savings if using RightTrack

It seems to be an okay insurance Company but there RightTrack Savings Program penalizes you if you happen to either leave for or head home from work in between the hours of midnight and 4:00 a.m. penalty seems to be $30 of loss in savings every time you have to drive during those hours until you reach a $0 savings which I think is ridiculous
1
September 14, 2022

Jrosec18_gmail_com

[REDACTED NAME] and her team of crooks!!!

We have been loyal customers for years and just attempted to file our first claim. No one replies in a timely manner. They do not answer the phone and will refuse to pay any claim. [REDACTED NAME] had the worst attitude and basically treated me as if I was a liar. Then she sends a letter dated 9/8 which was received 9/13 overnighted on the package that we have to comply with her unreasonable request by 9/15 or they will deny the claim. Last 6 mo...
We have been loyal customers for years and just attempted to file our first claim. No one replies in a timely manner. They do not answer the phone and will refuse to pay any claim. [REDACTED NAME] had the worst attitude and basically treated me as if I was a liar. Then she sends a letter dated 9/8 which was received 9/13 overnighted on the package that we have to comply with her unreasonable request by 9/15 or they will deny the claim. Last 6 months of bank statements, auto loan bill showing amount, name on the bill, and account number, proof we were where we said we were from 9/1-9/3, my wife’s drivers license, phone records of our call logs from 9/1-9/8. This is completely absurd. I have never been through this with any business or insurance company. We leave messages to no avail and still get nowhere. This company is full of crooks who are pros at it. The only thing you get when you pay for this insurance is proof you have insurance. Don’t ever file a claim because they will do everything on their power to deny it.
1
September 1, 2022

TwTJenn

Horrible customer service!

I was in a car accident last week. The company representative kept calling telling me I had to get my things out of the car and I needed to release the vehicle to them so they can move it to their facility immediately. When I did, it took the insurance company a week to move the car, and perform their valuation. Now, they don't want to pay me the valuation of the car! And they haven't paid the finance company yet either! This insurance company is...
I was in a car accident last week. The company representative kept calling telling me I had to get my things out of the car and I needed to release the vehicle to them so they can move it to their facility immediately. When I did, it took the insurance company a week to move the car, and perform their valuation. Now, they don't want to pay me the valuation of the car! And they haven't paid the finance company yet either! This insurance company is a bunch of thieves. The only way the agents communicate with you is via email as well. No personal customer service. I definitely do not recommend them at all.
1
August 11, 2022

Angry_customer

Safeco's going to kill us

Late winner of 2021 in the middle of the night on a desolate road with no shoulders we experienced a flat tire. We had to pull into a ditch and required roadside assistance from Safeco insurance. After sitting for 5 hours and no tow truck I know answers from Safeco insurance we had to call 911 because diabetes untreated is deadly and we needed to get some insulin for my husband. If it wasn't for the police officer a tow truck would not have come....
Late winner of 2021 in the middle of the night on a desolate road with no shoulders we experienced a flat tire. We had to pull into a ditch and required roadside assistance from Safeco insurance. After sitting for 5 hours and no tow truck I know answers from Safeco insurance we had to call 911 because diabetes untreated is deadly and we needed to get some insulin for my husband. If it wasn't for the police officer a tow truck would not have come. The tow truck only arrived thank you to the Idaho State patrol. It is August 11th 2022 and we are requiring road assistance again. After 3 hours of waiting I was able to get a ride back into town while my husband stayed out on the side of the highway with no shade in 100° weather waiting on Safeco to get a tow truck. They kept insisting we use their hyperlinks when there was no internet service where we were broke down at. my husband is still on the side of the road I have since called Safeco to figure out what can be done and their solution was to either again have the police handle it for them or to simply abandon our vehicle on the side of the road. I did ask Safeco insurance if I could file a formal complaint and was refused. After speaking with about 10 different staff members all I got was asinine explanations of policies and procedures that did not apply to the situation at hand. Talk about some salt on the want. We've held this policy for over 10 years you think of business would appreciate their customers a lot better. Putting people's lives in danger because you want to follow a script should be against the law. Shame on you Safeco insurance how dare you put people's lives in danger
1
July 30, 2022

spencercarpenter

This company is horrible

I was a victim of an accident where the other party admitted fault. Decided that did not want to sue because the insurance stated they would fix my car at any given auto shop. At the very start of the claim, Safeco/ Liberty Mutual was very distant and not at all communitive with me about the process. I had to initialize everything with everyone in the process except the auto shop was impossible to get in touch with. Finally a month or more later ...
I was a victim of an accident where the other party admitted fault. Decided that did not want to sue because the insurance stated they would fix my car at any given auto shop. At the very start of the claim, Safeco/ Liberty Mutual was very distant and not at all communitive with me about the process. I had to initialize everything with everyone in the process except the auto shop was impossible to get in touch with. Finally a month or more later I was able to get my car in the shop and they helped me to even get a rental car for work. I live paycheck to paycheck in these hard times and need a car for work every day. Then the emails between Mr. [REDACTED NAME] and Mr. [REDACTED NAME] stated the rates and what they would be paying. Safeco in the rates was severely undercutting the rates given by the auto fix shop (the only Mazda-certified shop in Arizona). The great communications of the auto shop were met with very poor communications by Liberty mutual. This has to be the worst insurance experience I've gone through. Safeco stated that they would not budge and never contacted me about any of this, I had to find out when trying to pick up my car when it was fixed. I live an hour and a half away from the auto shop, not to mention throughout the process had to take 2 non-paid days off work (I can't afford this). Safeco stated my car was fixed and needed to be picked up or I would have to start paying for the rental car out of pocket. The auto shop stated that same day that they would start to charge me storage fees if not picked up that day. When I arrived they stated that the insurance refused to pay the $770.47 for the labor fees and that I will not be getting my car back till it was paid. I don't have $770.47 for this surprise expense. I needed a car, communicating with Safeco/Liberty Mutual was no help at all. They said that I would have to cover this and that they would not be helping at all. They said I get to pick the auto shop, but nothing was communicated about me having to pay this surprise expense and was never able to get in touch with Mr. [REDACTED NAME] throughout the entire process (called, emailed, voicemail). Communication was the biggest factor where Safeco/Liberty Mutual failed, because if I was told that I would have to pay for something that I know I didn't have the money for then I would have taken my car to a shop less expensive.
1
June 23, 2022

Aethurbe

They secretly cancel your policy

They are extremely shady in that they will send you new cards and tell you you are set for automatic renewal, then cancel your policy when you don't pay. They make it very unclear that there's still a bill to be paid and that it is not an automatic payment. Then after going months without insurance because they secretly cancel the policy, they reinstate you at a higher charge when you figure it out. They do not tell you your policy got canceled a...
They are extremely shady in that they will send you new cards and tell you you are set for automatic renewal, then cancel your policy when you don't pay. They make it very unclear that there's still a bill to be paid and that it is not an automatic payment. Then after going months without insurance because they secretly cancel the policy, they reinstate you at a higher charge when you figure it out. They do not tell you your policy got canceled and allow you to be uninsured unknowingly for months. Stay far away from this company.
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