Is Safety Insurance Good for Auto Insurance Coverage?
Last Updated on December 28, 2020
Safety Insurance offers auto insurance and more to policyholders in Massachusetts, Maine, and New Hampshire.
In addition to auto insurance, Safety Auto Insurance sells home, business, and other types of insurance.
Generally, customers have good things to say about Safety Insurance’s auto insurance. However, it may not be the right choice for everyone. Today, we’re explaining everything you need to know about Safety Insurance and how it works.
About Safety Insurance
Safety Insurance is one of the leading providers of property and casualty insurance in Massachusetts, New Hampshire, and Maine.
The company was founded in 1979 with the goal of providing superior customer service to insurance customers across the three covered states. Today, Safety Insurance is one of the region’s most popular providers of auto, home, and business insurance.
Today, Safety Insurance has a broad range of insurance products and services available throughout its three covered states. However, the company scores poorly for customer service and claims satisfaction, which drags down its overall rating.
Nevertheless, Safety Insurance remains popular among drivers throughout New England, including budget-conscious drivers in Massachusetts, Maine, and New Hampshire.
Safety Insurance received the IASA 2018 Technology Innovation Award for incorporating automated voice and text messages into its claim process. The company has also been named as one of the Boston Business Journal’s Best Places to Work for three consecutive years. The Boston Globe picked Safety Insurance among the best insurers in Massachusetts, and Ward Group picked Safety Insurance among the top 50 performing companies in 2013. You can view other Safety Insurance awards here.
|Company Address||20 Custom House Street
Boston, MA 02110
How Does Safety Auto Insurance Work?
Safety Insurance offers similar auto insurance products and services to other companies in the New England area. The company offers car insurance policies to meet minimum insurance requirements in New England. The company also offers added coverage for drivers who want full coverage and beyond.
Bodily Injury Liability Coverage: Most states require drivers to maintain bodily injury liability coverage, which covers the cost of medical treatment after an accident you cause.
Property Damage Liability Coverage: If you crash into another car while driving, then you need to pay to repair that vehicle. This claim falls under your property damage liability coverage, which is also required in most states.
Comprehensive Coverage: Comprehensive coverage covers vehicle theft, vandalism, and other expenses incurred outside of an accident.
What Makes Safety Auto Insurance Unique?
Drivers in Massachusetts, Maine, and New Hampshire have plenty of options for car insurance. What makes Safety Insurance unique? Here are some of the features, products, and services offered by Safety Insurance throughout its coverage area:
Safety Shield: Safety Insurance offers two premium packages for car insurance, including Safety Shield and Safety Shield Plus. With Safety Shield, drivers receive guaranteed replacement cost coverage, supplemental towing and labor coverage, emergency travel expense coverage, rental vehicle loss of income coverage, airbag mechanical failure coverage, and a disappearing deductible.
Safety Shield Plus: With Safety Shield Plus, drivers receive all of the benefits in Safety Shield along with accident forgiveness, expanded personal effects coverage, pet coverage (which covers veterinary expenses if your pet is injured or killed in an accident), seatbelt coverage (which pays extra if someone is injured or killed while wearing a seatbelt), and bail bonds, among other costs.
Accident Forgiveness: Safety Insurance offers accident forgiveness, allowing drivers to avoid having a single accident raise rates on an otherwise clean record. You must pay an extra fee to add accident forgiveness to your policy, but it can help you avoid higher insurance premiums in the future.
Cheap Rates: Safety Insurance is one of the cheapest car insurance companies in New England. In fact, the company frequently ranks as the cheapest provider in Maine, Massachusetts, and New Hampshire. You can buy minimum coverage for as little as $400 per year with Safety Insurance, for example, which is a much lower rate than what other companies offer. Similarly, drivers pay as little as $1,025 per year for full coverage car insurance with Safety Insurance.
Overall, Safety Insurance has similar insurance products to other New England insurers – although the company offers surprisingly low rates.
Safety Insurance Discounts
Safety Insurance is already one of the cheapest car insurance providers in its coverage area. However, drivers can drop rates even further by taking advantage of Safety Insurance discounts.
Bundling Discounts: Safety Insurance offers a full spectrum of home, business, and car insurance policies. If you bundle multiple insurance coverage types under a single policy, then you receive bundling discounts across all policies.
Safe Driver Discount: Safety Insurance, like most insurers, offers a safe driving discount to drivers with no accidents in the last few years. If you have gone six years without a crash or incident, for example, then you could save as much as 26% on Safety Insurance car insurance.
Good Student Discount: If you are a full-time high school or college student with an average of B+ or higher, then you could qualify for Safety Insurance’s good student discount. The good student discount drops prices for full-time students who maintain a certain grade average.
Multi-Vehicle Discount: If you insure multiple vehicles with Safety Insurance, then you could receive a discount across all insurance policies.
Driver Safety Training Discount: If you have recently completed a driver safety course, then you could receive a discount on Safety Insurance car insurance.
Student Away at School Discount: Want to maintain car insurance coverage while living away from home at school full time? Safety Insurance offers a student away at school discount, allowing students to receive a steep discount on car insurance if they live away from home but still visit home and drive a family vehicle occasionally.
Loyalty Discount: If you have been a Safety Insurance customer for several years, then you qualify for a loyalty discount. Talk to your Safety Insurance agent to see if you qualify.
Safety Insurance Reviews & Ratings: What Do Customers Have to Say?
Safety Insurance is one of the top-rated insurance providers in Maine, Massachusetts, and New Hampshire. The company is frequently well-rated for its competitive pricing, strong customer service, and claims satisfaction.
Many customers appreciate working with Safety Insurance because it’s more “local” than a larger, nationwide provider. And, despite offering a local approach to car insurance, Safety Insurance’s pricing remains competitive with larger providers.
A.M. Best has consistently awarded Safety Insurance a rating of “A” (Excellent), most recently affirming that rating in 2019.
Safety Insurance is not large enough to appear on J.D. Power’s nationwide rankings. However, Safety Insurance appears on J.D. Power’s subregion rankings for New England.
In the most recent 2020 J.D. Power auto insurance rankings, Safety Insurance scored well below average in New England. The company scored 787, much lower than the regional average of 821. The top-ranked auto insurance company, Amica Mutual, scored 863. Only one insurance company among the 20 surveyed scored lower than Safety Insurance (MAPFRE Insurance).
J.D. Power ranks insurance companies based on their claims satisfaction and customer service. The company speaks with policyholders who have recently made a claim, then asks for their thoughts on pricing, customer service, and their overall claims experience. Based on Safety Insurance’s recent performance, the company does a relatively poor job with customer service, claims, and pricing compared to competing providers in New England.
Aside from the poor J.D. Power rating in 2020, Safety Insurance remains one of the largest and most popular providers in Massachusetts, New Hampshire, and Maine.
Safety Insurance has an A+ rating with the Better Business Bureau, with 10 total complaints in the last 3 years.
Final Word on Safety Insurance
Drivers in Massachusetts, New Hampshire, and Maine rely on Safety Insurance to cover vehicles, homes, businesses, and more. The company offers a full spectrum of insurance products targeted to customers across all three states.
To learn more about Safety’s auto insurance and pricing, contact a Safety Insurance agent today and request a quote.