Does Safeco Have Good Car Insurance Discounts?

Safeco offers an average range of driver, vehicle, and policy car insurance discounts. Here are some of the most common.
Written by Rebecca Wardell
Reviewed by Kathleen Flear
Safeco offers an average range of driver, vehicle, and policy-based car insurance discounts. It’s always best to ask your agent which discounts you’re eligible for, but we’ll review some of the most popular ones here.
Like most car insurance providers, Safeco offers a range of discounts to its customers. Whether you’re a Safeco customer or looking to become one, knowing what
car insurance discounts
are available and if you’re eligible for them is one of the easiest ways to optimize your
car insurance
savings.
If you’re looking for discounts available for your car insurance policy, the best tip is to always ask! Discount availability often varies on a state basis, and insurance companies don’t always advertise all of the available discounts.
Now, let’s get into the main discounts that are available to customers who purchase
Safeco insurance
.
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What car insurance discounts does Safeco offer?

Safeco’s car insurance discounts fall into one of three categories:
  • Driver discounts: Discounts that are based on your driving habits, driving record, and personal characteristics.
  • Vehicle discounts: Discounts that are based on physical features of your vehicle.
  • Policy discounts: Discounts that are based on how you package and pay for your insurance.
What if you qualify for more than one discount? Again, it’s best to ask your insurance agent, but Safeco allows its customers to stack most discounts. That means you can take advantage of all the savings available to you. 

Safeco driver discounts

Whether you have impeccable grades or a squeaky clean driving record, Safeco offers a range of driver discounts. Let’s take a look at some of them:
  • Safe driver: If you’ve gone a certain period of time without violations or accidents, you may be eligible for this discount. This is also known as a
    good driving record discount
    .
  • Accident prevention course: This discount is available to drivers who are over 55 and take an approved accident prevention course (sometimes called a
    defensive driving course
    ). This discount can apply to your insurance rate for three years.
  • RightTrack: RightTrack is a telematics program that monitors total mileage, braking and acceleration habits, nighttime driving, and average speed. Scoring data that indicate safe driving habits can lead to between 5% and 30% savings.
  • Low-mileage: Don’t spend much time on the road? Good news—customers who drive fewer than 8,000 miles per year may be eligible for up to 20% off. Less time on the road means fewer accident opportunities, after all.
  • Driver training
    : Drivers who are under 21 and who have completed an approved driver’s education course can save on car insurance costs.
  • Newly independent: Finally decided that it’s time to switch off your parents’ insurance? If you switch to an independent Safeco insurance policy from an existing one, you may be eligible for savings.
  • New teen: If you’ve been with Safeco for at least one year, adding your newly licensed teen to your policy can get you some savings.
  • Tenure: The new teen discount is one that varies in availability based on the state. If you live in a state that doesn’t offer the new teen discount, you might qualify for the tenure discount. This is for policyholders who add their teen to their policy after two years with Safeco.
  • Good student: Students who pull good grades in the classroom are eligible for a discount on their car insurance. If you’ve got at least a 3.0 GPA or are in the top 20% of your class, make sure you ask about the good student discount.
  • Distant student: This discount is available to parents who have a child attending a school that is more than 100 miles away from home without a vehicle.

Safeco vehicle discounts

Vehicles equipped with features designed to keep you safe on the road can translate into car insurance savings. Your vehicle’s make, model, and age will also impact your insurance rate. Here are some of the vehicle-based discounts that Safeco offers:
  • Anti-theft discount: Installing anti-theft features like an alarm or
    anti-theft device
    can decrease the chances that you file a theft-related claim. If your vehicle is equipped with anti-theft features, you may be eligible for this discount.
  • Anti-lock brakes: In some states, having
    anti-lock brakes (ABS)
    on your vehicle can get you a discount.

Safeco policy discounts

The final category of discounts relates to how you bundle and pay for your Safeco car insurance policy. Let’s take a look:
  • Multi-car
    : Customers who insure at least two vehicles on the same policy can save on their premiums.
  • Homeowners: Individuals who own and primarily reside in a single-family home, townhouse, condo, or mobile home may qualify for this discount.
  • Pay-in-full: This discount is available if you have the ability to pay your full bill upfront (instead of monthly payments).
  • Advance quote: New to Safeco? If your policy starts at least one day after receiving a quote, you may be eligible for a discount.
MORE: Cheap car insurance for low-mileage drivers

Does Safeco have good car insurance discounts?

Safeco has an average selection of discounts in comparison to its competitors. It’s important to keep in mind that there isn’t a one-size-fits-all. The best insurance provider for you will depend on details that are specific to you like your driving record, discount eligibility, and coverage preferences.
In general, Safeco is an ideal provider for drivers who:
  • Are looking for usage-based insurance discounts
  • Are looking to bundle their home and car insurance
  • Are looking for lots of optional coverage types
Safeco might not be the best pick for customers who are looking for five-star customer service, as their customer satisfaction scores are lower than the industry average. It’s also worth noting that Safeco doesn’t provide quotes online—you’ll have to use their agent locator portal to find an insurance agent to speak with.
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FAQs

RightTrack is a telematics program that monitors your driving through a phone app or plug-in device. RightTrack monitors the safe (or not-so-safe) choices you make while driving, which can translate into car insurance discounts. Savings on your premium can range from 5% to 30%. Some of the metrics tracked include nighttime driving, total mileage, braking, and acceleration.
Like most insurance providers, Safeco does not offer a discount for senior
car insurance
. Safeco does offer other discounts that seniors are eligible for, like the accident prevention discount available to individuals 55 and older who take an approved accident prevention (or defensive driving) course.
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