Safety Car Insurance Review (2024)

What You Should Know About Safety Insurance

Safety Insurance not only offers car insurance but home and business insurance as well. Safety currently provides service to the states of Massachusetts, New Hampshire, and Maine, which means, unfortunately, that if you do not live in those states, you will not be able to apply for coverage. Drivers within those states may want to look into the various coverage options offered by Safety and whether or not the company is a good choice for them. 

Founded in 1979, the Safety Insurance Company’s parent organization is the Safety Insurance Group. The subsidiaries of Safety Insurance include Safety Indemnity Insurance Company, Safety Northeast Insurance Company, and Safety Property and Casualty Insurance Company. Safety car insurance reviews and ratings are generally mixed, with some customers feeling as though they’re not rewarded enough, while other drivers feel at ease with the company.

Safety Insurance offers two different apps and a website that provides information on what coverage you might need, as well as resources for claims, finding an agent, and easy access to your online account. Knowing how much coverage you both need and want will help you in finding the best policy.

Does Safety have an app or a website?

Safety Insurance has both a website and an app. On the website, you have access to a variety of services and resources. Account access, filing a claim, finding an agent, and the resource center are displayed most prominently, while you also have the option to delve further into the customer information center or look at the options Safety offers in terms of insurance. 

The app is called Safety Mobile and can be downloaded for iPhone and Android. Drivers with the app are able to do the following: 

• Access bill pay and claim status
• Report a claim for both car and homeowners insurance
• Contact your agent
• Set up text or email alerts 
• Access a digital car insurance card, which can be stored in a driver’s Apple Wallet if they use iOS

Safety also offers a telematics app, called Drive with Safety, which allows drivers to work with Safety in order to promote safe driving. The app also helps to provide drivers with a discount based on their driving habits. 

Telematics has become a popular way for drivers to save money on their car insurance policies, and many insurance companies offer this service. It is generally optional and requires the driver to install the app on their smartphone. The driver is then provided a score based on their driving habits, such as what time they’re driving, whether or not they follow the speed limit, and the way they drive. Hard braking, speeding, and driving at night are all things that could potentially lower your score. 

Safety Insurance Coverage Options

Safety offers a wide variety of coverage options depending on whether you’re looking to insure your car, your home, or your business. Prices, options, and discounts will all vary based on your location, but the insurance options are the same. 

In all three states, you can choose from the following types of insurance: 

• Car insurance
• Homeowners insurance
• Dwelling fire insurance
• Personal umbrella insurance
• Commercial car insurance
• Business owners insurance
• Commercial package insurance
• Commercial umbrella

Being able to manage multiple insurance coverage options under one policy can make it easier to handle payment if you have a need for more than one type of insurance. Plus, you have the option to bundle any of these policies together in order to get a discount. 

What type of car insurance does Safety Insurance Company offer?

You can choose the style of coverage that will best suit your vehicles. While it’s often recommended that you purchase a policy that covers more than the state-mandated minimum requirements for insurance, it may not always be possible. 

• Collision car insurance coverage. There are a few differences between collision and comprehensive coverage. With collision coverage, you will have financial protection for any damage sustained during an accident with another vehicle or property. Collision covers the cost to repair your vehicle, with varying deductible amounts based on state. In Massachusetts, a deductible will be between $300-2000 for collision. In New Hampshire, the deductible will be between $100-2500.
• Comprehensive coverage. When you have comprehensive car insurance coverage, your vehicle is protected against instances such as hitting a deer, vandalism, or theft. You can also often get glass protection for your windshield as part of comprehensive coverage because accidents or weather can damage your windows or windshield. Find out if a broken windshield is covered by car insurance.
• Uninsured or underinsured motorist coverage. Not every driver is going to carry insurance or enough insurance to protect everyone in the event of an accident. When you have uninsured or underinsured motorist coverage, you won’t be financially responsible if the other driver doesn’t have adequate limits on their policy or they don’t have any car insurance whatsoever.

Safety provides full coverage car insurance policies for all three states where coverage is offered. Since New Hampshire doesn’t legally require car insurance, it falls to the individual to choose how much coverage they want. As a note, New Hampshire drivers must prove they have the funds to cover damages in the event of an accident. Learn more about New Hampshire car insurance requirements.

What is the Safety Shield endorsement offered by Safety?

Safety car insurance also includes the option of purchasing Safety Shield, which is an endorsement for your car insurance policy. You’re able to select the type of coverage you want as well as the limits you want to have on your policy. In both New Hampshire and Maine, Safety offers up to a 15% discount if you bundle coverage. In Massachusetts, the discount is up to 10% should you purchase additional insurance.  

In Massachusetts, your car insurance will include the following: 

• Bodily injury and property damage protection: This protects not only yourself but your surroundings, including other drivers and any property that might be damaged in the event of an accident. 
• No-fault personal injury coverage: This protects your passengers.
• Physical damage coverage: Your vehicle is covered in the event of a collision or perils, which could be classified as weather, vandalism, or animals. 

Learn more about Massachusetts car insurance requirements.

Both New Hampshire and Maine offer bodily injury, property damage, and physical damage for your vehicle, but not no-fault personal injury coverage.

In all three states, you can opt to purchase Safety Shield, which is an endorsement for your car insurance policy. An endorsement is an amendment that can be purchased at certain timeframes, such as when you first purchase your policy, or at the time of renewal. With an endorsement, you agree to pay the new insurance premium that will come along with the additional coverage. 

When you purchase the Safety Shield in Massachusetts, the following features are included: 

• Disappearing collision deductible
• Rental vehicle and loss of income coverage
• Guaranteed replacement cost
• Personal effects coverage
• Emergency road travel expenses
• Supplemental towing and labor
• Airbag mechanical failure
• Extended substitute transportation

All of these coverages are helpful additions to your typical car insurance. Coverage options such as rental vehicle coverage and towing aren’t usually covered by a standard car insurance policy. The Safety Shield features are a little different for New Hampshire and Maine. If you live in one of those states, your Safety Shield features will include the following: 

• Collision waiver of deductible
• Full glass coverage
• Emergency road travel expenses
• Airbag coverage
• Transportation expenses
• Lock in value (Guaranteed replacement cost)

You can also opt to purchase Safety Shield Plus if you live in Massachusetts, which will provide: 

• Accident forgiveness
• Expanded personal effects coverage
• Pet coverage
• Seat belt coverage
• Bail bonds

In all three states, if you’re leasing your vehicle and you end up in an accident where your vehicle is totaled, Safety will cover any unpaid amount due on the lease.

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Safety Insurance Rates Breakdown

There are a few pieces of information that are often used when car insurance prices are being set up. Your age, location, and type of vehicle that you drive will all be assessed by insurance companies in order to figure out what you will pay for your policy. 

Rates will often change depending on how old you are. For example, a teenage driver will see higher car insurance rates than someone who is middle-aged. Rates don’t tend to increase again until a driver becomes a senior. Since rates will also vary based on which state you live in, it will be easy to compare car insurance quotes against other insurance companies. You’ll be able to see what the average rates will be in your state, and then decide which will be the best option. 

Currently, Safety car insurance is only offered in Massachusetts, New Hampshire, and Maine. If you live in one of these states, you will have to request a quote from Safety because there is no way to obtain one through the website. 

Car Insurance Rates for a 30-Year-Old Male With a Clean Record

By comparison, take a look at the following rates for a 30-year-old male driver in Massachusetts, Maine, and New Hampshire and the average monthly rate by company. 

In Massachusetts, Allstate is the most expensive, while Geico offers the lowest monthly rate.  Progressive is the most expensive for drivers in Maine, while Geico maintains the lowest monthly rate at $51.30 per month. 

Car Insurance Rates for a 30-Year-Old Female With a Clean Record

For 30-year-old female drivers in Massachusetts, Allstate will be the most expensive, with both State Farm and Geico being the cheapest and only having a few dollars in difference for a monthly policy.

In Maine, the rates will be a little different for the same age bracket. Progressive becomes the most expensive, while State Farm increases in price to leave Geico as the most affordable monthly option. For comparison, the average monthly rates for coverage in New Hampshire will be reflected in the table.

It’s important to note that your quote prices will vary based on whatever details each insurance company will ask for. 

Read more: Maine Car Insurance Discounts

Safety Insurance Discounts Available

Applying for discounts can be a great way to lower the cost of your car insurance policy. Available discounts through Safety Insurance will also depend on which state you occupy. In Massachusetts, the following discounts are available: 

• Safe driving discount: You can get up to a 24% discount if you have been without an accident for six years, and up to a 10% discount if you’ve been without an accident for the past five years. For drivers who take part in crash prevention training, there is a 5% discount. 
• Bundling discount: If you have multiple types of insurance through Safety, you can get a multi-policy discount. The amount of the discount will depend on the other type of policies you have in addition to car coverage. 
• Good student discount: You can get up to a 10% discount if you or a student on your policy maintains a B or better average. A student who attends school at least 100 miles away will also be available to obtain a 10% discount. 
• e-Customer discount: This is for drivers who opt into having an electronic policy.
• Loyal customer discount: Safety provides a 4% discount depending on how many years you’ve been with the company. 

If you live in New Hampshire or Maine, you can qualify for these discounts:

• Bundling discount: Also called a multi-policy discount, you can save up to 15% on your car insurance policy if you purchase another form of insurance from Safety. 
• e-Customer discount: If you qualify for an account credit you can get up to a 3% discount, or 1% if you do not qualify. 
• Loyal customer discount: You can qualify for up to a 4% loyalty customer discount if you’ve been with the company for a number of years. 
• Good student discount: There’s an unspecified rate given for students who are away at school and for students who maintain a 3.0 GPA or higher.

You’ll want to check in occasionally to see if you qualify for any of these discounts, and always keep your personal information updated. While details such as the type of vehicle you’re driving and your age will automatically be updated, other details may not be automatically taken into consideration whenever you renew your policy. For example, if you have a student who increases their GPA, you will need to inform your service company so your policy can reflect the change in grades. Find out how to get the cheapest car insurance quotes. 

Read more: Safety Insurance Car Insurance Discounts 

Safety Car Insurance Claims Procedure

Ease of Filing a Claim (Online, Over the Phone, Mobile Apps)

Safety Car Insurance offers multiple convenient options for filing a claim. Customers can choose to report a claim online through the company’s website or mobile app. Additionally, Safety Car Insurance provides a 24-hour claims department that can be reached over the phone, ensuring that customers can report incidents at any time.

Average Claim Processing Time

The efficiency of claim processing is a crucial aspect of any insurance company. Safety Car Insurance aims to provide prompt service to its policyholders. However, specific claim processing times may vary depending on the nature of the claim and the complexity of the situation. To get a clearer understanding of the average claim processing time, customers are encouraged to contact Safety Car Insurance directly.

Customer Feedback on Claim Resolutions and Payouts

Customer feedback is instrumental in evaluating the quality of an insurance company’s claims process. Safety Car Insurance has received mixed reviews from customers regarding their claim resolutions and payouts. Some customers have expressed satisfaction with fair pricing and a range of discount opportunities.

However, others have reported issues with communication, cooperation, and difficulty in contacting the company. When considering Safety Car Insurance, potential policyholders should weigh these factors and conduct thorough research to make an informed decision.

Modern Convenience: Safety Car Insurance’s Technological Advancements

Mobile App Features and Functionality

Safety Car Insurance offers a dedicated mobile app called “Safety Mobile,” available for both iPhone and Android users. The app provides policyholders with convenient access to various services and resources. Users can manage their accounts, file claims, find an agent, and access a resource center, all from the palm of their hand.

Additionally, Safety Car Insurance offers a telematics app called “Drive with Safety,” which promotes safe driving habits and provides potential discounts based on driving behavior.

Online Account Management Capabilities

Safety Car Insurance’s website and mobile app offer robust online account management capabilities. Policyholders can access their accounts to view policy details, make payments, and update personal information.

This online convenience enhances the overall customer experience, allowing for quick and efficient management of insurance policies.

Digital Tools and Resources

In addition to account management, Safety Car Insurance’s digital presence includes a wealth of tools and resources for policyholders. These resources assist customers in understanding their coverage needs, finding agents, and accessing information relevant to their insurance policies.

The availability of such digital tools and resources demonstrates Safety Car Insurance’s commitment to providing a comprehensive and user-friendly online experience for its customers.

How Safety Insurance Ranks Among Providers

The overall ranking of Safety Insurance among insurance providers focuses on specific aspects such as coverage options, discounts, customer reviews, and company details. Rankings among insurance providers often depend on various factors such as customer satisfaction, financial strength, coverage options, and pricing.

Safety Insurance compares to other providers or seeking overall rankings refer to independent insurance rating agencies or customer satisfaction surveys. A.M. Best is one such agency that provides financial strength ratings for insurance companies, but the specific rating for Safety Insurance was not mentioned in the provided text.

For a comprehensive ranking or comparison, you may consider looking at industry reports, customer reviews on reliable platforms, or seeking information from reputable sources that evaluate insurance providers across multiple criteria.

Customer Reviews for Safety Insurance

Safety Insurance reviews have been mixed, with there being many customers who don’t feel as though Safety rewards loyalty. Other complaints have stemmed from a lack of communication, unwillingness to cooperate, and being difficult to contact. Other reviews have stated that Safety is a reliable company, especially for families with teenage drivers. Customers affirm that Safety offers fair pricing and a wide range of discount opportunities as well. However, there are also long-term customers who are a little disappointed at the lack of rewards.

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