Safeco does not offer a discount for installing your own ADL monitoring system on your car, however they have a specialized telematics discount that tracks your driving behavior for a discount on your premium. The company's telematics program is available through their mobile app, except in New York where you need to install the RightTrack plug-in device in your car.
With Safeco RightTrack you need to drive while the app tracks your behavior for 90 days after you enroll in the program and a discount between 5% and 30% will be applied to your premium at your next policy renewal. The app tracks behaviors such as braking, acceleration, night-time driving and total miles driven to determine your discount. Once the discount is applied, it is available for the full life of your policy. The program is available in all states except Arkansas, California, Washington D.C., Delaware, Hawaii, or North Carolina.
Safeco offers a low mileage discount, an accident-free discount, a multi-policy discount, a safety features discount, an accident-prevention-course discount, and a discount for safe drivers who use the RightTrack app to monitor their driving habits. Plus, Safeco representatives say that more discounts are available in most states. Drivers can check with a local Safeco agent to see if they are eligible for specific discounts based on their location and driving record.… read full answer
Safeco Discounts List
Accident-free discount: save if you drive for at least three years without an accident.
Accident prevention course discount: save by taking an approved accident prevention course.
Low mileage discount: save if you spend less time on the road then average and provide pictures of your odometer to Safeco.
Safety feature discount: save if a covered vehicle is equipped with an approved safety device.
Pay in full discount: save for paying your entire premium up front.
Teen safety rewards discount: save if a teen driver on the policy gets good grades, completes a driver’s education course, or attends school more than 100 miles from the insured car.
Bundling discount: save if you purchase another insurance policy with Safeco.
Multi-vehicle discount: save if you insure more than one car with Safeco.
Diminishing deductible discount: get $100 off your collision deductible for every year without claims against your policy, for up to five years.
Safeco RightTrack® discount: save up to $513 annually by using the RightTrack app, which monitors driving behaviors like braking, acceleration, and total mileage.
Safeco does not have as many discounts as some larger car insurance companies, but customers still have plenty of opportunities to save. For more information, check out WalletHub’s full Safeco review.
Safeco offers a defensive driving discount that seniors can qualify for, though the discount is available to drivers of any age. Like most insurance companies, Safeco does not have a senior discount that automatically lowers rates for all older drivers.
In addition to the defensive driving discount, Safeco has other ways for senior drivers to save. For example, Safeco offers a multi-policy discount, which gives a discount to drivers who bundle their auto insurance with other Safeco policies.… read full answer
Safeco comprehensive insurance covers damage to the policyholder’s car that was caused by something besides an accident, such as vandalism or a natural disaster. Safeco comprehensive coverage is subject to a deductible and will pay to repair or replace the covered vehicle up to its actual cash value.
Animal damage, including damage caused by collisions with deer
Damage from natural disasters and other weather events, like hail
Glass damage that was not caused by a car accident
Comprehensive insurance is not mandatory in any state. However, dealerships and lenders generally require it on leased and financed cars in order to protect their investment.
Many drivers purchase comprehensive insurance together with collision insurance, which pays to repair or replace the covered vehicle after a car accident regardless of who was at fault. Policies that include comprehensive and collision insurance plus the state’s required insurance are often referred to as “full coverage.”
You can call customer service at 1-800-332-3226 to add comprehensive insurance to your policy.
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