Safeco Auto Insurance In Florida: What You Need To Know

Safeco Insurance, a proud part of Liberty Mutual Insurance, offers auto insurance in most states. However, it does not write homeowners insurance in Florida and has placed restrictions on new homeowners policies in certain areas of California. Safeco provides a wide range of coverage options and features, including liability, collision, uninsured motorist coverage, rental car reimbursement, and new vehicle replacement. The company also offers unique perks like the Claims Free Cash Back program, which rewards customers with a check for 2.5% of their policy premium for staying claims-free over a six-month review period. In addition, Safeco has a RightTrack telematics program that recognizes and rewards safe driving behaviours, potentially saving customers up to $513 per year. While Safeco has received high scores for its financial strength and claims satisfaction, it has also faced some criticism for its customer service, with J.D. Power's customer satisfaction study indicating below-average ratings.

Safeco's auto insurance coverage options

Safeco Insurance is a proud part of Liberty Mutual Insurance, the sixth-largest personal lines insurer in the country. Safeco offers a broad array of auto insurance coverage options and features, allowing customers to tailor their policies to their needs and budgets.

Accident-Related Medical Expenses

Safeco will cover accident-related medical expenses up to the policy limits for anyone injured while in your car, regardless of who is at fault.

Uninsured/Underinsured Motorists

If you are injured in an accident caused by someone with minimal or no insurance, Safeco will protect you and any passengers in your vehicle.

Claims Free Cash Back™

If you have no claims over a six-month review period, Safeco will send you a check for 2.5% of your policy premium (up to 5% each year) automatically.

Diminishing Deductible

When you maintain a clean driving record, your deductible will be reduced by $50 for a six-month auto policy or $100 for an annual auto policy at every renewal, up to a maximum of 5 years or $500.

Guaranteed Repair Network

If you select a Guaranteed Repair Network shop for your car repairs, Safeco will cover the cost of repairs and any subsequent issues with Safeco's President's Guarantee™. This is not available in Rhode Island or Massachusetts; instead, the Superior Service Program (SSP) is offered, where the estimate is completed by a Safeco Insurance appraiser.

New Vehicle Replacement

If your car is less than a year old, has fewer than 15,000 miles, and you are the original owner, Safeco will pay you the value of a comparable new car in the event of a total loss or theft.

Rental Car Reimbursement

Safeco can help pay for the cost of renting a car while your vehicle is in the shop being repaired after a covered loss.

24-Hour Roadside Assistance

This covers towing to the nearest qualified repair shop and other basic emergency services, including changing a flat tire, delivering gas or other essential fluids, and sending a locksmith if you are locked out of your car.

RightTrack®

RightTrack® rewards customers for safe driving behaviours, including safe braking, acceleration, and nighttime driving. The program could save customers up to $513 per year, with a discount that will remain for the life of the policy.

Safeco's Florida insurance availability

Safeco Insurance, a proud part of Liberty Mutual Insurance, offers a wide range of insurance products to its customers. The company believes in the power of relationships and, therefore, sells its insurance products exclusively through independent agents.

While Safeco does not write homeowners insurance in Florida, it does offer auto insurance in the state. Safeco auto insurance provides standard coverage that protects you if someone is hurt or their property is damaged in an accident. It also covers accident-related medical expenses, regardless of who is at fault. Additionally, Safeco offers uninsured/underinsured motorist coverage, which protects you and your passengers if you are injured in an accident caused by someone with minimal or no insurance.

Safeco also has a broad array of auto insurance coverage options and features that can be tailored to fit your needs and budget. These include new vehicle replacement, rental car reimbursement, 24-hour roadside assistance, and more. The company also offers various discounts and rewards for safe drivers, such as accident forgiveness, claims-free cash back, diminishing deductibles, and the RightTrack® program.

By bundling auto and home coverage, Safeco customers can benefit from savings, convenience, and protection. The company also offers insurance for motorcycles, classic cars, recreational vehicles, ATVs, and renters, providing customers with a comprehensive range of insurance options.

Safeco's customer service

Safeco Insurance is a proud part of Liberty Mutual Insurance, the sixth-largest personal lines insurer in the country. Safeco offers insurance for cars, homes, and "fun stuff in between". The company believes in the power of relationships and, therefore, sells its insurance exclusively through independent agents.

Customer Service

The company also offers a mobile app, which allows customers to view policy documents, get roadside help, pay bills, and file and track claims. The online claims process is described as "fast, simple, and convenient", and customers can also call Safeco's claims line at 1-800-332-3226.

In addition, Safeco provides 24/7 roadside assistance for customers who have enrolled in this option as part of their policy.

Safeco's accident coverage

Safeco offers a range of accident coverage options for its customers. Firstly, it's important to note that Safeco will cover accident-related medical expenses up to the policy limits for anyone injured while in your car, regardless of who is at fault. This includes coverage for ambulance costs if you are taken to the hospital after a car accident. In addition, Safeco offers uninsured/underinsured motorist protection, which means that if you are injured in an accident caused by someone with little or no insurance, Safeco will protect you and your passengers.

For accidents that are not your fault, Safeco offers Accident Forgiveness, which means that the first accident on your policy is waived if you have a set number of years with Safeco without an at-fault collision or violation. Safeco also offers Claims-Free Cash Back, where customers with no claims over a six-month review period will receive a check for 2.5% of their policy premium (up to 5% each year). Additionally, Safeco's Diminishing Deductible feature reduces your deductible by $50 for a six-month auto policy or $100 for an annual auto policy for every renewal, up to a maximum of $500, as long as you maintain a clean driving record.

If you are in an accident, Safeco's 24-Hour Roadside Assistance can help with towing to the nearest qualified repair shop and other basic emergency services, such as changing a flat tire, delivering gas or other essential fluids, and sending a locksmith if you are locked out of your car. Safeco also offers Rental Car Reimbursement to help cover the cost of renting a car while your vehicle is being repaired after an accident.

For repairs, Safeco has a Guaranteed Repair Network of selected collision repair facilities that meet or exceed industry standards. Repairs completed through this network are guaranteed to meet industry standards, and if they don't, Safeco will remedy the situation with no additional deductible and coverage for reasonable rental car expenses. You can also choose to use a repair shop outside of the network, and Safeco will cover the cost of repairs up to the policy limits.

In terms of total loss, if your vehicle is declared a total loss, which means the cost of repairs is greater than the value of the vehicle, Safeco will work with you to settle the claim. They will request permission to move your car to a free storage location and will provide you with information on how to proceed.

Safeco's discounts

Safeco Insurance has been offering coverage for possessions at affordable prices since 1923. The company provides a range of discounts for customers who take steps to safeguard their property and improve their driving.

Vehicle Discounts

• Anti-theft devices: Passive or active alarms that disable the engine can help you save on your premiums.
• Daytime Running Lights
• Forward Collision Warning
• Low Mileage: Vehicles driven 4,000 miles or less per year can receive a 20% discount.
• Vehicle Recovery: For LoJack and OnStar.

Policy Discounts

• Continuous Coverage: Being with the company for one year or more qualifies you for this discount. The longer you stay, the higher the discount.
• RightTrack: 5% for each vehicle when you sign up, with an additional 30% off based on your driving behaviours.
• Early Quote: Pay your premium eight days or more before the policy effective date.
• Good Credit Insurance Score
• Tenure Loyalty Reward: Available after two years with Safeco.
• Financial Stability: For drivers with good credit and a stable residence.
• Multi-policy: For maintaining two or more lines of insurance with the carrier.
• Multi-car: For insuring two or more cars with the company.
• Stable Residence: For policyholders who have been at the same residence for a year or more.
• Claims-Free Cash Back: Customers with 12-month Superior or Ultra policies can get 5% cash back each year for having no claims in the past six months of their policy.

Driver Discounts

• Defensive Driver: For those 55 and older who take an approved course. The discount lasts three years.
• Distant Student: For a resident student attending college 100+ miles away.
• Driver's Ed: For those under 21 who are accident-free in the last 36 months.
• Good Student: For those with a GPA of 3.0 or higher. The discount drops 1% for every year of experience.
• Further Education: For those with a Bachelor's degree or higher.
• Occupation: Workplace discounts for business owners, teachers, firefighters, police officers, and educators.
• Military: For active and retired military personnel.
• Safety Rewards: The driver can't have at-fault accidents in the last three years, DUIs in the last 10 years, or more than one point on their license.
• Accident Forgiveness: The first accident on your policy is waived after a set number of years with Safeco without an at-fault collision or violation.

Additionally, Safeco offers discounts for bundling auto and home coverage, and for customers who sign up early, use their app, or are active military members.

Frequently asked questions