Auto Insurance
Your Car Is Loaded with Options. Make Sure Your Car Insurance Policy Is Too.
For more than 85 years, Safeco has delivered new and better ways to protect cars and drivers. If you drive a sedan, hybrid, minivan, station wagon, SUV, pickup truck or anything in between, your local Safeco agent can offer personal advice on auto insurance coverage that’s right for you. If trouble comes along, we’ll make sure you’re taken care of every step of the way.
Auto Insurance Coverage Options
Build your own auto insurance policy with the help of your local Safeco agent and get the best combination of coverage, value and price. Choose a basic policy or add fully-loaded coverage. We’ll have you out on the road in no time.
Learn more about our auto insurance coverageoptions and features.
Auto Insurance Features and Coverage Options
Be Prepared for What’s Around the Bend
Your standard Safeco car insurance policy provides essential liability protection and other coverages required by law. It includes coverage if your car is involved in an accident while being driven by your or someone else. To enhance your policy with extra protection for damage, emergencies, repairs and personal property, you can choose additional coverage options. Your local Safeco agent can offer personal advice about product availability in your area and how much coverage is right for you.
What Makes Us Different
Reimbursement for First Aid
All Safeco auto policies include up to $10,000 in coverage for reimbursement of first aid administered to others after an accident.
Accident Forgiveness
Every Safeco auto policy qualifies for accident forgiveness after a set number of years of accident- and violation-free driving. Talk to your local Safeco agent to find out more.
Diminishing Deductible
Remain claim-free and we’ll reduce your collision deductible by $100 with each annual policy renewal, for up to a maximum of $500 or five years.
Full Coverage Protection
Comprehensive
Helps pay for repairs or to replace your car if it is stolen, vandalized or damaged in some way other than in a collision. Includes loss or damage from fire, flood, falling objects, wind, hail and collision with an animal.
Collision
Helps pay for repairs to your car for damage caused by an accident.
Popular Coverage Options
Build Your Own Auto Insurance Policy from Our Many Coverage Options
Have peace of mind knowing you're better prepared for the unexpected. Our many auto insurance coverage options vary from state to state. Talk to your local Safeco agent to get the best combination of coverage, value and price and for personal advice on which coverage options are right for you.
Roadside Assistance
For only pennies a day, Roadside Assistance covers towing to the nearest qualified repair shop and other basic emergency services. Safeco Roadside Assistance will help you change a flat tire, deliver gas, oil or other essential fluids like radiator and brake fluid, jump start your battery and send out a locksmith if you’re locked out of your car.
Rental Car Reimbursement
Get help paying for the cost of renting a car while yours is in the shop being repaired after a covered loss. Rental car reimbursement is a type of loss of use coverage.
Car Insurance – What’s Required in Most States
Car insurance requirements vary by state. In most states, you are required to have both bodily injury and property damage liability insurance. Some states require coverage to help pay hospital bills and medical expenses for you and your passengers related to injuries from a car accident, no matter who is at fault. Some states require that you protect yourself from uninsured or underinsured motorists. Ask your local Safeco agentfor personal advice about making sure you’re adequately covered.
Bodily Injury Liability
Helps pay for bodily injury expenses, like hospital bills and medical care, that you may be held responsible to pay if you cause an accident that injures another driver or another car’s passengers.
Property Damage Liability
Helps pay to fix someone else’s vehicle you’re held responsible for damaging in an accident.
Car Insurance - Required in Some States
Personal Injury Protection (PIP) and Medical Payments (Med Pay)
Helps pay for hospital bills and medical care expenses for you and your passengers if you’re injured in an accident, no matter who was at fault. Some states require personal injury protection. If it’s not required where you live, you can always choose to add it yourself.
Uninsured and Underinsured Motorist (UM/UIM)
Pays for damages you are legally entitled to recover from a driver without liability insurance or a hit-and-run driver or for an amount that exceeds an at-fault driver’s insurance limits. In other words, it covers you when the other guy doesn’t have enough or doesn’t have any insurance to pay you for damage repair or your medical bills. If it’s not required where you live, you can always choose to add it for your own protection.
Even More Coverage Options
Emergency Assistance Package
Includes all the benefits of Roadside Assistance plus adds coverage up to $100 for expenses and up to $500 for meals, lodging and transportation if you’re involved in an accident more than 25 miles away from home. Also includes coverage for personal belongings damaged in an accident or stolen from your car.
Loan and Lease Coverage
If your car is declared a total loss because of an accident or theft, loan and lease coverage, helps pay for a possible difference between how much is left on your loan or lease and the depreciated street value of your car. Sometimes called Guaranteed Auto Protection or GAP.
Electronic Key and Lock Replacement
If your electronic keys are lost or stolen, we’ll replace them – along with any remote control pads and locks – at no extra charge and with no deductible applied.
CD and DVD Replacement
Get coverage for damaged or stolen audio-visual media like your CD, DVD, videotape, cassette or record collection.
New Car Replacement
If you’re the original owner of a car that is less than one year old that has been totaled or stolen, we will pay you the value of a comparable new car.
Audio-Visual and Custom Equipment Coverage
Protects your audio, visual and custom equipment that was not installed at the factory or dealership. Audio-visual systems and equipment, like a stereo or DVD player must be permanently installed. Custom equipment includes any part that modifies the appearance or performance of your car or truck like a modified or custom engine, roll bars and lift kits, custom wheels, murals and decals.
Pet Coverage
We’ll help pay for veterinary expenses or death benefit if your cat or dog is injured or dies in a collision,.
Personal Property Coverage
Get reimbursed for personal belongings that are damaged in an accident or stolen from your car.
Please note: Not all coverage options available in all states. Some options must be purchased with others. Talk to your local Safeco agent to find out more.
Auto Insurance Claims
We’ll be there if you need us. If you get in a fender bender on the way home from work or if someone steals your car from the supermarket parking lot, we’re here to help. We’ll take care of you, 24/7.
Learn how to file an auto claim.
Auto Insurance Claims
We’ll Take Care of You. It’s That Simple.
Has your car been involved in an accident? Has your truck has been damaged or stolen? Who do you call? You call your car insurance company to file a claim. That’s us. We’re here to help, just like we always said we would be. We’ll do our best to get you and your car back on the road as quickly as possible.
File a ClaimCall Us. We’re Here for You.800-332-322624 hours a day, 7 days a week | Roadside AssistanceCall Us. We’re on Our Way.877-762-310124 hours a day, 7 days a week |
You’ve Had an Accident - What’s Next?
Find out what to expect when you file an auto accident claim, from initial questions you’ll be asked to how to get a damage estimate and have your car repaired.
1. Call Safeco
If and when it’s safe to do so, call us from the scene of the accident. Take a few minutes to calm your nerves. The sooner you are able to file your claim, the sooner we can begin to help you.
Be ready to provide the following:
Be ready to provide the following:
- When did the accident occur?
- Where did the accident occur?
- How did the accident happen?
- What other vehicles were involved, including the year, make and model?
- A description of the damage on each vehicle
- The names and contact information of people involved in the accident
- The extent of any injuries to people involved in the accident
- The names and contact information of anyone who witnessed the accident
- The name of the police department that responded and the police report number
Safeco can arrange to have your car towed from the scene of the accident if you have collision coverage.
After you report your claim, a representative will contact you within eight business hours to discuss what happens next, what your insurance policy covers and to answer any further questions.
After you report your claim, a representative will contact you within eight business hours to discuss what happens next, what your insurance policy covers and to answer any further questions.
2. Estimates and Repairs
Get an Estimate. Get It Fixed.
Learn more about how to get your car repaired and back on the road.
- Car Repairs and Damage Estimates- for auto body repairs, dents and dings.
- Auto Glass Repair and Replacement- for broken windows and windshield repair.
- Car Stereo and Electronics Repair and Replacement- for damaged audio, video and other electronic equipment.
3. Track Your Claim
Track the status of your claim anytime in your online account.
Auto Insurance Discounts
Switch to Safeco and you could save on your auto insurance bill. Everything from the make, model and safety features of your car to your driving record and annual mileage affect how much you pay for car insurance.
Learn how to save with car insurance discounts.
Auto Insurance Discounts and Savings
We Make It Easy to Save
Safeco offers significant savings to safe drivers. Talk with your local Safeco agent to find out the discounts and savings available to you and to get the best discounts on your car insurance.
Get the Package Deal
Save up to 15% when you combine your home and auto insurance policies with the Safeco Package.
Be a Safe Driver
Safeco Safety Rewards™ are a collection of benefits, rewards and discounts available to safe drivers who have a clean driving record, drive a safe car or take an accident prevention course.
Take an Accident Prevention Course
Drivers within a defined age range (55+ in most states) who successfully completed an approved accident prevention course may get a discount that lasts for three years.
Teen Safety Rewards™
Teen Safety Rewards™ provides a collection of tools, benefits and discounts to help your teen become a safer driver and to help you manage the cost of adding a teen driver to your auto policy.
Teen Safe Driver Discount™
Save up to 15% with the Teen Safe Driver Discount™ when you share how well your teen drives with us.
Drive Less. Pay Less.
Save up to 20% with the Safeco low mileage discount if your car is in the driveway more than it's on the road
More Than One Car
Get a discount when you insure multiple cars on the same policy.
Deter Thieves
Anti-Theft Devices Discount
Qualify for a discount when your car is equipped with an audible alarm or a disabling device that renders the fuel, ignition or starting system inoperative. And, if your car has either a LoJack® or Teletrac® system, we’ll waive your comprehensive deductible if your car is stolen while the service is activated.
Qualify for a discount when your car is equipped with an audible alarm or a disabling device that renders the fuel, ignition or starting system inoperative. And, if your car has either a LoJack® or Teletrac® system, we’ll waive your comprehensive deductible if your car is stolen while the service is activated.
Anti-Lock Brakes Discount
A discount is available in some states for cars equipped with a factory installed four wheel anti-lock braking system (ABS).
Own Your Own Home
Qualify for significant savings on your auto insurance when you own and primarily reside in a single-family home, townhouse, condominium or mobile home.
How to Lower Your Auto Insurance Rate
Increase Your Deductible
You can lower your premium by shifting part of the loss payment to yourself. For example, if you had a $500deductible, you would need to pay the first $500 of a covered loss. A higher deductibles generally lower your premium, but increase the amount you must pay yourself if a loss occurs.
Pay Your Bill in Full
Pay your bill in full when you start or renew a policy instead of paying in monthly installments and you get a discount.
Auto Insurance FAQ
Ask away. We’ve got answers to your frequently asked questions about Safeco auto insurance.
Read frequently asked questions about car insurance.
Auto Insurance FAQ
Answers to frequently asked questions about Safeco auto insurance.
Can I get a discount for taking a driving safety class?
Yes, you can. Young drivers under the age of 21 (in most states) may qualify for the driver training discount. Drivers within a defined age range (55+ in most states) may qualify for a discount good for three years when they complete an accident prevention course.
How much medical and liability coverage should I have?
Talk to your local Safeco agent about auto insurance coverage that’s right for you.
How do I add or delete a vehicle to my policy?
You can easily update your policy by contacting your local Safeco agent or by calling 800-332-3226.
Can I add my 1941 Chevrolet Special Deluxe to my Safeco auto policy?
Safeco classic car insurance is available for collectible and antique cars.
Can I add my slide-in pickup truck camper to my Safeco auto policy?
You can add your pickup truck to your Safeco auto insurance policy. However, you’ll need Safeco RV insurance to protect the slide-in camper.
How do I add or delete a driver from my policy?
- Log in to your online account.
- Select Add a driver or Delete a driver from the Drivers section next to the auto policy you'd like to change.
- Follow the directions provided.
If you don’t have an online account, contact your local Safeco agent or call 800-332-3226.
Will my auto insurance policy cover my cat or dog?
In some states pet coverage is automatically included when you choose physical damage coverage. Contact your local Safeco agent to find out if pet coverage is available where you live.
Can I get the Safeco Package if I own a condo?
Yes, you can. The Safeco Package may be available to customers who carry both an auto policy and a homeowners or condo policy with us.
What are the minimum requirements for auto insurance?
Auto insurance requirements vary by state. Most states require you to have both bodily injury liability andproperty damage liability coverage. Some states require personal injury protection and/or uninsured and underinsured motorist coverage. Talk to your local Safeco agent for personal advice about product availability in your area and how much coverage is right for you.
Why Choose Safeco Auto Insurance
Take the next turn ahead and discover all the reasons why Safeco is the right choice for you. We make car insurance easy so you can enjoy the ride.
Learn why you should choose Safeco auto insurance
Why Drive With Us?
Great Reasons to Choose Safeco Auto Insurance
Coverage, Value and Price
Safeco provides the best combination of coverage, value and price for you and your car or truck.
We Make Insurance Easy
We’ll work hard to get you out on the road as quickly as possible. Get an auto insurance quote in about five minutes. Get a policy that’s right for you in only a few minutes more.
Personal Advice
Your local Safeco agent can offer personal advice on the amount of auto insurance you need and which coverage options are right for you.
24/7 Claims Service
A customer service representative is available to assist you around the clock, seven days a week.
Discounts and Savings
Safeco offers numerous discounts and opportunities for you to save and pay less for auto insurance.
Flexible Coverage Options
Safeco gives you the option to choose coverage that’s right for you. Get all the coverage you need, and none of the coverage you don’t.
Simple Billing Statements
Our billing statements are easy to read and understand.
Flexible Payment Options
Pay your bill in full or in monthly installments.
Financial Strength
Safeco Insurance is backed by the financial strength of Liberty Mutual Insurance. We’ll be there if you need us.
Insurance Choices
© 2014 Liberty Mutual Insurance, 175 Berkeley Street, Boston, Massachusetts, 02116
Insurance is offered by Safeco Insurance Company of America and/or its affiliates, with their principal place of business at 175 Berkeley Street, Boston, Massachusetts, 02116. This website provides a simplified description of coverage. Nothing stated herein creates a contract. All statements made are subject to the provisions, exclusions, conditions and limitations of the applicable insurance policy. Please refer to actual policy forms for complete details regarding the coverage discussed. If the information in these materials conflicts with the policy language that it describes, the policy language prevails. Coverages and features not available in all states. Eligibility is subject to meeting applicable underwriting criteria. 36 USC 220506
Lewis Insurance
2525 S. Lamar Ste 11
Austin, TX
78704
2525 S. Lamar Ste 11
Austin, TX
78704
No comments:
Post a Comment