Safety Auto Insurance Review (2024)

What You Should Know About Safety Insurance Company

The Safety Insurance Company was founded in 1979 and is one of the leading property and casualty insurance providers in New Hampshire, Massachusetts, and Maine. Safety has several core values that impact how it does business.

The company’s core values include:

• Service: Safety aims to provide excellent services to its policyholders.
• Profit: The company works to achieve a profit that allows it to grow and provide the necessary resources to achieve other objectives.
• Growth: The company wants to limit its growth to ensure agents and policyholders get everything they need.
• People: Safety wants to help people share in its success, celebrate achievements, and help employees feel valued and appreciated.
• Management: The company strives to provide helpful objectives and promote from within whenever possible.
• Citizenship: Safety takes its economic, intellectual, and social responsibilities seriously.
• Safety: The company provides information about driver safety and encourages people to take different driver skills development courses.

Some of these may not seem like they impact car insurance, but the company believes its corporate values make small and large-scale differences for the good of its employees and policyholders.

Safety Insurance: Customer Reviews and Financial Ratings

Safety Insurance Company has an A+ (Excellent) financial strength rating with A.M. Best. Safety also has a stable outlook for future endeavors. Additionally, Safety has an A+ rating with the Better Business Bureau (BBB). Still, Safety Insurance company reviews have a one-star average customer rating.

Before purchasing a policy, consider Safety Insurance complaints from customers and evaluate ratings with A.M. Best and the BBB. Doing so will help you better understand whether Safety is a good choice for you.

Safety Insurance Company Insurance Coverage Options

Safety Insurance Company offers the standard types of auto insurance.

Some of the coverage options Safety Insurance Company offers include:

• Bodily injury liability: Bodily injury liability (BIL) auto insurance helps pay for damages associated with a person’s injuries if you’re at fault in an accident and they have been harmed. Bodily injury can extend to multiple people if more than one person is hurt in an accident.
• Property damage liability: Property damage liability helps pay for a person’s car repairs if you damage their vehicle in an accident. Property damage liability will also cover a person’s property, such as a fence or railing, if you damage it with your car.
• Collision: Collision auto insurance helps to pay for damage to your vehicle if you were in an accident. While liability helps pay for other people’s vehicles, it does not help you pay for your own. Collision coverage will cover your vehicle regardless of who is at fault.
• Comprehensive: Comprehensive auto insurance helps with damage to your vehicle if there is a non-accident incident, like inclement weather or vandalism. Comprehensive coverage will also cover if your car is stolen.
• Personal injury protection (PIP): PIP coverage pays for medical bills if you or a passenger in your vehicle is injured in an accident. PIP applies regardless of fault and may help pay for funeral expenses, lost wages, and childcare.
• Medical payments (MedPay): MedPay is similar to PIP but doesn’t extend quite as far. With MedPay coverage, your accident-related medical bills will be covered.
• Uninsured/underinsured motorist: This coverage helps to cover your injuries or property damage caused by a hit-and-run driver or another driver with no insurance or insufficient insurance. Some states require uninsured or underinsured motorist coverage.
• Roadside assistance: Safety Insurance roadside assistance coverage helps if you’re stranded and need fuel services, lockout services, or flat tire repair. Roadside assistance will also help if you need a tow.

In addition to the coverage options listed above, Safety Insurance offers two different packages that help policyholders stay protected: Safety Shield and Safety Shield Plus.

Safety Shield offers the following:

• Guaranteed replacement cost
• Supplemental towing and labor
• Emergency travel expenses
• Rental reimbursement coverage
• Airbag mechanical failure coverage
• Disappearing deductible for collision

In comparison, Safety Shield Plus offers:

• Guaranteed replacement cost
• Supplemental towing and labor
• Emergency travel expenses
• Rental reimbursement coverage
• Airbag mechanical failure coverage
• Disappearing deductible for collision
• Accident forgiveness
• Personal effects coverage
• Pet insurance
• Seat belt insurance
• Bail bonds

You can purchase coverage with Safety in any combination to ensure that you’re safe behind the wheel. Speak with a Safety Insurance Company representative to better understand what coverage options might work best for you.

If you want to stick with your state’s minimum level of coverage, you can purchase a liability-only car insurance policy. Purchasing this type of policy will allow you to drive legally in your state while keeping your auto insurance rates low.

But many drivers prefer higher levels of coverage. You may want to go with a full coverage policy if you want additional coverage. Most companies refer to a combination of collision and comprehensive coverage as a full coverage policy.

You can purchase a full coverage policy with Safety. This type of policy will help if you’re in an accident and your automobile is damaged — even if you’re at fault in the accident. Additionally, full coverage will help pay for repairs if your car is damaged in an incident other than a car accident, like inclement weather or vandalism.

If you drive a car that has a lot of miles on it and that you don’t pay loans on, you may be okay to purchase a liability policy. But if your car is newer or if you are financing it, consider purchasing full coverage to make sure you’re protected regardless of what happens.

Other Safety Insurance Products

You can purchase additional insurance products with Safety, such as:

• Boat insurance
• Home insurance
• Business insurance
• Commercial auto insurance
• Classic and vintage vehicle insurance
• Dwelling fire insurance
• Personal umbrella insurance
• Commercial umbrella insurance

You can save money on your car insurance premiums by purchasing multiple policies with the company. Speak with a Safety representative to see how much you could save with a multiple-policy discount.

Read More: How to Save Money by Bundling Insurance Policies

If you’re considering purchasing insurance with Safety, regardless of the type of insurance, find and compare rates from other companies before making any final decisions. If you don’t compare quotes from multiple providers, you are more likely to pay more for coverage than you need to.

Safety Insurance Company Insurance Rates Breakdown

While there’s no way to know just how much you’ll pay with Safety for a car insurance policy, it’s a safe guess that the company’s rates will come in under other company rates in your area.

Safety auto insurance rates are lower than many other competitors. You may find that the company offers extremely affordable car insurance for you and your family. Still, it’s a good idea to find and compare car insurance rates from other companies in your area, too.

Comparing your Safety Insurance quote against top competitors helps you find the cheapest company for you. Additionally, comparing rates allows you to purchase the care insurance coverage you need without overpaying.

Before you buy car insurance with Safety or any other company, it’s important to determine exactly what coverage you’re looking for. You may want to simply purchase your state’s minimum coverage. Or you may want to purchase additional coverage for added peace of mind.

How the Safety Insurance Company Determines Rates

You cannot know how much you will pay for car insurance until you get a Safety auto insurance quote. The company does not offer online quotes, so you’ll have to call and speak with an agent or representative to get more information.

Quotes with Safety Insurance, just like with any other insurance company, will vary based on different factors.

Some of the most common factors insurance companies use to determine a person’s rates include:

• Age
• Gender
• ZIP code
• Marital status
• Driving history
• Credit history
• Coverage types

While it may seem odd, each of the factors listed above is often used to determine your level of risk in terms of filing a car insurance claim.

Age

You will pay more for car insurance if you are a teen or young adult driver. In fact, teen drivers can pay up to five times as much for coverage as a 40-year-old driver with a clean driving record.

Companies see younger individuals as more of a risk since they don’t have the same amount of experience behind the wheel. However, as you get older, you should find that you pay less for coverage, as long as you don’t cause any accidents.

But once you hit 65, your auto insurance rates may increase again. Some companies charge drivers 65 and up more for coverage because they may have slower response times or worse vision. Still, if you’ve been with your company for a while, you may not have to face higher premiums.

Gender

Believe it or not, your gender could impact your car insurance rates. Some companies charge males more than females for the same types of coverage. Statistically, men tend to get into more accidents, speed more often, and file more auto insurance claims.

Certain states have outlawed charging someone more for coverage based on gender. These states include California, Hawaii, Massachusetts, Michigan, Montana, North Carolina, and Pennsylvania.

ZIP Code

Your ZIP code can also impact your car insurance rates. For example, if you live in a rural area with light traffic and fewer wrecks, you may benefit from your location by having lower-than-average car insurance rates in your state.

But you could pay more for your coverage if you live in an area with more traffic, many car accidents, or a higher crime rate. You may need to speak with a Safety representative to learn more about the company’s use of ZIP codes in determining a person’s auto insurance rates.

Marital Status

Married people may pay lower rates for coverage than single people, especially with certain companies.

Married individuals are less likely to be in a car accident or file a claim. Because of this, companies may charge single people more for coverage. Still, Hawaii, Massachusetts, and Michigan do not allow companies to charge single people more for coverage.

Driving History

You probably already know that your driving history can significantly impact your auto insurance rates. If you have a car accident or speeding ticket on your record, you can expect to pay higher-than-average rates for coverage.

If you have a DUI on your record, you will pay extremely high rates, and you may even have difficulty finding coverage.

People with clean driving records often enjoy lower coverage rates. Although your rates should be competitive if you don’t have anything on your driving record, you can still shop and compare car insurance rates with companies in your area to determine whether Safety offers the cheapest option.

Credit History

You can expect to pay more for your car insurance if you have poor credit. Statistically, people with poor credit make more claims with car insurance companies. Because of this, many companies charge higher rates for people with bad credit scores.

One of the best ways to offset this is to improve your credit score. It could take a while to see the number increase, but as it does, you should be able to pay less for your car insurance coverage.

Coverage Types

Your car insurance rates will increase if you choose higher levels of coverage. Most states have a minimum amount of coverage you must carry to drive legally.

You can choose whether you’d like to carry any coverages in addition to your state’s minimum requirements.

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While adding coverages to your policy will cost more, it’s a good idea if you can afford to do so.

State minimum requirements do not offer much protection. If you’re ever at fault in an accident, you could pay hundreds or even thousands of dollars out of pocket.

Safety Insurance Company Discounts Available

Safety Insurance boasts discount options that help auto insurance policyholders save as much as 25% on their coverage.

Some of the company’s most popular discounts include:

• Excellent driver discount. Save up to 10% on your car insurance if you go five years without a crash or incident.
• Excellent driver plus discount. Save up to 24% on your car insurance if you go six years without a crash or incident.
• Crash prevention training discount. If you take Safety’s crash prevention training course, you could save money on your insurance.
• Bundled policies discount. Save money by bundling your home and auto insurance policies.
• Multiple policies discount. Get a discount on coverage when you purchase multiple policies for members in your household.
• Good student discount. If your child is enrolled in school and keeps a certain GPA, they may be eligible for savings on car insurance coverage.
• Student away at school discount. If your child is away at college, you may be able to get a discount on their coverage.

In addition, Safety offers a telematics-based discount called Drive with Safety. This program allows individuals to save money on their coverage when they prove they drive safely and avoid doing things that could cause an accident.

More About the Drive With Safety Program

If you’re interested in saving money on your auto insurance premium, you may want to consider the Drive with Safety program. This program helps you save money when you prove you practice safe driving techniques on the road.

Read More: Cheap Usage-Based Auto Insurance

The program requires that you download an app that will track your driving patterns and report them back to the company.

Some of the most common driving habits that companies track include:

• Stop patterns
• Start patterns
• Acceleration patterns
• Hard brake patterns
• Driving time of day
• Distracted driving

If you prove to Safety that you’re a safe driver based on these habits, you’ll be able to save money on your insurance coverage. Using the telematics program can help you save 5% on your car insurance coverage.

To begin comparing quotes from the top providers, enter your ZIP code into our free quote comparison tool below.