Consumer Complaints and Reviews
My car had hail damage. Filed a claim with Safeco. Sent car to Service King for repair. Car was deemed totaled. Safeco had sent a check to Service King, check was cashed by SK. Safeco total loss adjuster had insisted that I ask about what would happen to check. SK stated that Safeco should have the SK corporate office to ask about the check. Besides, check was not sent to me. Safeco adjuster got belligerent on phone, stating that "I do not have to do anything at all and sit here ". And who knows what else Safeco is willing to do or not do. Safeco wants their subscriber to do their work for them. As a subscriber, I shouldn't need to get involved with internal communications between them and the repair shop. When asked why I had to do this for them, Safeco adjuster gets defensive. My first and last with Safeco. Now I know to avoid them like a plague.
Accident on 3/29, called SAFECO and gave 800# agent all relevant information. Instead of calling me on cell, I get message on home phone the next day. Called adjuster again and left her two messages. Got voice mail the following Monday. She said she had other appointments after 1 PM Friday. Called again and got fast busy on her number? This adjuster Cara ** doesn't seem to be available after 1 PM on Fridays (how convenient). Her number does not go to voice mail - fast busy. This company takes no pride in customer service. The other party's insurance company (Esurance) CALLED me two hours after the accident. That is great service.
SAFECO insurance is hands down the worst insurance company I have ever been with! The claims adjuster that was sent to my house did not do his job their billing is faulted! I would never recommend this Company to my own enemy!! And don't bother asking them to help you because you will just get the runaround! Do not even waste your time!
I unfortunately needed to contact Safeco as a snowplow ran into my drivers side window during snowstorm Stella. It was an absolute nightmare from the very first phone call which I was told I did not have glass coverage (I did). I had to spend hours on the phone talking to multiple representatives who did not even have the information that I had previously given a different representative.
My car had gotten towed to a AAA auto garage and Safeco made me tow it to a different garage because they refused to negotiate with the AAA auto shop. They only wanted Safelite to fix car. For a simple window repair it took hours of phone calls to my local agent as well as Safeco agents and I did not even get a rental car during this timeframe. I have my home and auto on this policy and will be changing insurance companies as soon as policy is up as I can not even imagine using this company if I had something major happen to my home or car. A simple glass repair was an absolute nightmare. Will NOT be renewing my policy.
Unauthorized payment before I even signed up! It seemed kind of shady that they wanted my bank account information to get "a more accurate quote" but since they were referred to me by an Allstate agent, I reluctantly agreed. The agent tells me that she'll call me back short to get the quote. A little when later I get a call from the representative telling me "her girl" mistakenly charged me my first payment! I told them I was no longer interested and wanted a refund. It's been over a week now and I still haven't gotten my money back. Don't waste your time with these unprofessional people. You may or may not save a few bucks but do you really want to rely on someone like this to take care of you when you really need it?
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We got t-boned. Filed a claim. Over 4 months later we are still in a rental car. Call after call email after email with no response. We got a letter from the other person's insurance company saying that they haven't heard from us in 30 days and wondered if we still want to pursue this matter. What I thought that's why we have insurance so we don't have to contact anyone. That's what we pay them for. I think it might be time to contact a attorney. Please for your own sanity look for a different insurance company.
I was involved in an accident on 12/6 that involved another party sliding in the rain and hitting me in the side of my car. I called SAFECO to inform them of the accident and gave them the description of what happened. The police report was released the following week and it cited the other driver being at fault. After multiple phone calls asking if SAFECO had access to the report it was pointed out to me that they go through a 3rd party in charge of getting the report. They have a maximum of 30 days to get the report and to make a long story short I went and picked up the report and faxed them a copy.
My vehicle was in the body shop for about 10 days and I had a rental vehicle while this was going on. The vehicle was done before they had decided who was at fault. Even the receptionist at the body shop told me that a lot of people were canceling their memberships with SAFECO. I paid the deductible to get the car out of the shop after the repairs were complete. On one of the many calls trying to get a hold of my adjuster, it was told to me that it had been handed over to a third party to handle my refund on my deductible.
Now throughout this whole process I talked to my adjuster a total of one time and that was when he called to let me know he would be handling my claim. Every time I tried to get a status update from him he was either out of the office or busy and I was told he would return my phone call when he got the message that SAFECO was leaving him but that never happened. When I would ask to speak to his manager she was always in meetings.
This process went on for about 2 months until I received a letter in the mail from the other party's insurance company informing me that he was uninsured at the time of the accident. It was almost impossible to get a hold of anyone to let them know of the letter that I had received. I sat on hold for about 1 hr while the lady who directs calls had to look for someone on her floor that I could speak with in management. That was not fault of hers as she was the only one that I talked to in this whole process that actually seemed to care about my position.
To make a long story short I received my refund for my deductible after 3 months. Honestly the other party's insurance company seemed more concerned about determining who was at fault than the company I was giving a monthly payment. The customer service was terrible and I will be canceling my membership later this month. All I can say is do yourself a favor and stay away from this company.
After I was rear ended and the other party was found 100% at fault, I had to work with my insurance company (Safeco) because the liable person was under insured. I called my Safeco adjuster every day for three weeks and he never answered my call. After escalating the issue they assigned a different adjuster to the claim, and it took another two weeks to send out an adjuster. So it took 5 weeks to even get someone to look at the vehicle. I also had physical injuries and they called me to intimate me about how difficult it would be to collect on my medical expenses that I paid out of pocket. To make a long story short, do not do business with this company! You aren't buying insurance, you are just paying premiums. You have been warned.
I have liability only, no claims, they take my money (premiums) very efficiently. Auto insurance is mandatory by law in my state. Auto insurance advertising costs are certainly passed on to the consumer. Why is advertising for auto insurance needed and/Or permitted by law?
All in all rates about same as other ins co. Customer service has been rather rude and seems to be bothered when asked certain questions or needing verification when we moved for DMV purpose.
This post is to make you aware of the type of customer service you'll receive with SAFECO INSURANCE... This started after the "Great Flood of 2016" in Louisiana. Being told TWICE a vehicle is a total loss and yet still fighting. This post is a a bit long but I felt like sharing details would make it a little more understandable what we're dealing with. This is not just hear say information (everything is documented).
8/19/16 - Called into insurance company because check engine light came on. Was told to bring it by a shop. In which this process was delayed due to helping others, working with the flood and shops were absolutely busy with flooded vehicles. Aug-Sept.2016 The truck started to have electrical issues and was now at a point that seemed to be unsafe to drive. The lights began to flicker along with several other issues.
9/30/16 Truck was taking to a local shop who contacted Michael at Safeco. Michael at Safeco contacted my husband and told him to quit driving the truck immediately. He was told to get his belongings out of the truck including truck paperwork, take the plate off the truck, and start shopping for another truck. That the truck would be towed to Copart and we would receive a call from the adjuster with what they are going to give for the truck. He set up for my husband to pick up a rental.
10/01/16 - Rental truck picked up. 10/07/16 - Truck was picked up and towed to Copart. 10/10/16- Adjuster looked at the truck and my husband received a call from Michael with Safeco stating that another adjuster was going to inspect the truck on 10/14/16 and he would receive a call by 2p.m. that day. 10/14/16 - My husband received a call from Ali (adjuster for Safeco) stating, "When I arrived to take a look at your truck there was a worker sitting in it because the air works", she also stated, "I couldn't find any water lines and the filters were dry so your truck will need to go to another shop to be diagnosed. Let me know when you know where you want the truck sent."
10/17/16 - Truck was towed to All Star in Denham Springs. My husband was contacted because they had no clue why his truck was there. My husband explained to them about what was going on and gave them Ali the adjusters information. 10/20/16 - All Star still had not heard from anyone at Safeco insurance. Our insurance agent (who is not employed by Safeco) called and told, "All Star what was going on." My husband was told it would be the middle of the next week before it could be looked at. In email requesting rental services be extended Ali stated the truck is drivable. He could be driving it while waiting on the shop to be able to see it. I found no evidence of water intrusion to this vehicle... Remember this is AFTER a shop found electrical issues AND a Safeco employee told us it was going to be totalled!
10/20/16 - My husband returned the rental and picked up his truck from All Star. At our surprise his truck was being used more than just as a seat in the air. His truck condition was woefully inadequate! The truck now has additional damages as well as was used as storage for other vehicle parts (bumper, lights and other parts that we aren't sure of what they are). We took pictures and a video before we left All Star.
10/21/16 - My husband spoke with Micheal (1st Safeco adjuster) who stated that it was totally unacceptable for the truck to be driven until it has been reevaluated and sent in for a rental extension. 10/24/16- My husband returned his truck to All Star and picked up another rental. 10/25/16- All Star called/email and stated, "The unit that was brought to us has a water mark halfway up the door, we do not accept vehicles that got water that high, due to the amount of electrical problems this causes. If any questions, feel free to call, thanks." 10/26/16- We are NOW being told that Safeco is now requesting the truck have diagnostic testing.
It has been 26 days and we have now been told not once but TWICE that the truck is a total loss and YET SAFECO is requesting MORE!!! My husband's job requires that he be able to pull a trailer (which the rental will not cover) so not only has this been a huge headache but a burden also. We have contacted the Insurance Commissioner and Safeco hasn't replied to them yet either but they still have five business days. Save yourself the headache and pay a little more if required but take my advice and DON'T buy insurance with SAFECO!
By far the worse insurance roadside assistant I've ever came across in my entire life. Have waited 2 1/2 hrs for someone and nothing but they charge my card right away. I'm 9 months pregnant waiting for a damn tow truck that my insurance couldn't provide. I pay them my monthly payments on time and they sure charged my card right away. Extremely furious and disappointed. Never had this problem with Allstate. Canceling this insurance right away and calling it quits, never worth this type of headache.
About 6 weeks ago I lost control of my car in a snowstorm and hit a guardrail head on. The vehicle was still running fine, all the lights etc were working fine as I checked while I waited for the tow truck. I reported the accident immediately to Peerless through my agent and rented a vehicle that night. The next day I called them again directly and they told me the car rental was covered, and they would contact me once the appraisal was done.
After a week I still heard nothing, so I called the auto body business and they said nobody had been in contact with them either. I had a car rental so I thought I would just give them more time. After 2 weeks I started inquiring again because I thought they should have a figure by then, but they didn't. Again I thought I'd have to wait for them to finally respond.
Out of the blue, I received a check from them in the mail with no discussion, no explanation and I considered the amount of the check to be a mistake since it was so low. I called the next day and was told that I should not have gotten a check and that was the incorrect amount even though they still didn't know what that amount should be.
I was told I had to wait my turn, there's a certain number of people ahead of us and to just wait. I knew it was getting close to the 30 day maximum for the car rental and the rental agency had to get an extension approved several times already. I finally call and insist on somebody telling me where my claim stood. This second person finally emailed me the settlement offer and that my vehicle was considered totaled. When we rejected the offer amount she responded to send her some comparable car listings in my area with their prices and she may reconsider the amount.
I sent her about 5 comps that showed the picture, price, location and dealers from screenshots I took on my phone. Her response was that they were completely unacceptable because it wasn't the entire listing. So I sent another complete set of entire listings and didn't get a response. The next day I emailed her to see if she got the listings and I got an automated message that she would be out of the office until the next Tuesday morning. I waited from Friday until Tues. and emailed her again and got another automated message that she was out of the office until JUNE! (This was March.) I had my agent contact them and we heard from the third person. She stated she couldn't open my email to the previous claims rep. and I had to send all the listings to her again, which I did.
At this point I had stopped by the autobody shop to retrieve my plates off my car and they informed me that Peerless/Safeco had called them about 4 days ago and had towed my car to a salvage yard in another town quite a distance away. Nobody had asked me or informed me that they had "disposed" of my vehicle before we had even settled my claim! In this State, I have a right to get another appraisal if I do not agree with their offer, now I have lost that ability. There is no proof of what original condition my car was in before they towed it 100 miles away and deposited it at a salvage yard. They told me I could still have someone go find it in the salvage yard (which is the largest auto salvage company in the US) and they could look at it there. First of all, I would have to pay the appraiser to now travel all day there and back plus pay for the appraisal.
Secondly, Safeco told me if I did this that they would contact an appraiser and I would also have to pay half for an "umpire". Meanwhile, since they dragged out communicating with us, the car rental period expired and I had to pay over $300 so far to rent a vehicle on my own. Which this claims agent told me they would pay for about 4 more days, then they went back on that promise, and shut off coverage of the rental. When I took the rental back, they informed me I would have to pay cash for part of the rental that Peerless wouldn't pay from way back on the first day of rental, with no explanation to me why it was rejected.
I finally contacted the State Bureau of Insurance and was told they did several things wrong and to file a formal complaint so they could investigate, which they have 17 days to respond. There is a method of deceptiveness, it is not a coincidence that they waited until the last minute to finally correspond with me because they knew the car rental was expired and they had illegally towed away my car so I didn't have access to it. I also had planned to have the auto body manager take another look at my car because I believed it was repairable, and now I cannot do that.
Further, Peerless made deductions from their offer because my cars interior was dirty, but they had told the auto body shop that it was settled, and they crammed all exterior car parts, bumper...into the interior of the car grease and all! Their appraiser even outright lied in stating that my car had 5 or so major dents in the door, which my car had zero dents in the doors! They have woven this huge mess that makes it impossible for an everyday consumer to wade through and be made whole. "Full" coverage is a misnomer, as they admit that they do not pay you what it's worth to get on the road again.
They know we will have to pay another few thousand dollars in addition to their settlement. Basically, you can pay for insurance for thirty years then when you need it you find out it's not full coverage, it's partial coverage. My car had fairly new Nissan exhaust and catalytic converter from end to end, new transmission all genuine and installed at a Nissan dealership but they don't give any extra for that, just deductions for false appraisals.
BEWARE: I was shocked to learn a few weeks ago, that my auto insurance had inaccurately billed me for $95 during the summer of 2013 when I moved from North Carolina to Virginia... that my autopay bank drafts show that there was never a missed payment, that I never received a physical copy of the bill for $95, but that two and a half years later this inaccurate $95 is showing on my credit report. And now I have to go through a roller-coaster process (that involves so much of my very precious time) to try and get it removed. Here's how this went down: I obtained SAFECO Insurance after calling AAA. AAA is an organization that has earned my trust after several decades of membership; I relied on their expertise when I became dissatisfied with GEICO.
When I moved from North Carolina to Virginia in July 2013 I called SAFECO to give my new address and update my insurance policy and spoke with Marti. I'd already made my July insurance payment (July 24, 2013), so Marti explained that I was good until August 19th when the new Virginia policy would begin and that I could keep my auto draft. On August 21, 2013 the payment went through for the new Virginia policy. My bank statements show that I never missed a payment.
When I learned about the $95 charge showing on my credit report December 23, 2015, I called SAFECO immediately, spoke with a very pleasant woman, who assured me she would investigate and get back to me. I never heard from her again. So on Friday January 15, 2015 I called, this time reaching Jack ** who turned out to be incredibly acerbic (for a customer service rep no less). He stated that the woman I spoke with a few weeks earlier left a note on the account stating that she investigated the situation and that I had to pay the $95. I asked to speak with a supervisor; Jack assured me this was impossible. I asked for physical proof that I owed $95, he stated, "We don't keep records going back that far." I asked for the supervisor's email; Jack informed me that they don't communicate through email, only paper mail. "Fine, then send me something on paper that verifies this $95 charge."
I repeatedly stressed to Jack that if Marti made a mistake setting up my new account back in the summer of 2013, SAFECO can correct this mistake, but that my records show that I made a payment every single month without fail. I also explained that I was on auto draft, so how could there be a missed payment? Jack stated that once I moved the auto draft no longer worked on the North Carolina account; my reply, "Correct, because I no longer owed any money for the North Carolina policy."
On and on it went... Jack wouldn't listen, Jack never apologized, Jack never connected me with a supervisor, Jack is sending a paper letter telling me I owe $95 but it's my understanding this letter will NOT include any documentation about how SAFECO arrived at the charge because Jack himself could NOT tell me where this charge came from other than it was related to my old North Carolina policy (to which I kept replying, "Then Marti set it up my new policy incorrectly/terminated my old policy incorrectly and you need to correct her mistake" ... to which Jack kept replying, "No, you need to pay the $95." As an aside, I'd like to note, that I find it puzzling that SAFECO hasn't joined the rest of the world in adapting to modern technology in the new millennium; they have not updated their systems to coincide with technological advancements in the but rather have opted to remain with paper for everything.
(Another example, I had to cancel my credit card while traveling this summer after someone confiscated the number and racked up a big bill. With so much stress, while traveling, I completely forgot about my SAFECO auto draft. SAFECO sent me a letter in the mail, which of course I never opened because I never open physical mail anymore. To make a long story short, I eventually learned the hard way that my policy was in jeopardy of being canceled. But I did indeed learn that I owed money and promptly paid. The point is, when I truly did owe money, the point eventually was brought to my attention, much slower than I would have liked because of snail mail, but nonetheless I did indeed learn about it.) But not in 2013... which further emphasizes the fraudulent nature of this $95 charge.
We have had no contact with the insurance company. We have not had any claims for over 30 years. Our agent chooses the insurance company that fits our needs. They accept monthly payments taken out of our checking account. We do not have to pay a lump sum once or twice a year. We have older cars and they will insure them.
The agents at SAFECO Insurance are always willing to go the extra mile to make their customers happy. The one we go to is conveniently located and our agent makes my husband and I comfortable when it comes to making decisions regarding insurance. If you need insurance, SAFECO should be one, if not the only, place you go.
We don't ever receive any updates or changes happening on our policy by mail or email. We receive no incentives for being good drivers, or carrying the policy for over 10 years. Our rates continually climb, and we don't have a local agent to talk to about any of these issues.
Safeco has had low costs, but has been helpful when I have been in an accident. They worked well with other insurance companies when someone else hit me, and they quickly put me in a rental vehicle and took care of my claim. I am very pleased with my service. I would recommend them to friends and family.
Safeco has been a great insurance company to work with. We've used their roadside assistance program before when we locked our keys in on the car. It was quick and easy to use. I like having a personal agent to call who is helpful whenever we have questions. I would definitely recommend Safeco to those searching for auto insurance.
I have not had to really use it thankfully since I got it but it is weird how the premium keeps rising every year even without an accident. It is quite frustrating really because most insurance companies lower the premium as time goes on wherein there is no accident or ticket.
I have had Safeco Auto Insurance for almost 20 years and have never had a problem with claims. They have always been easy to contact and have taken care of each claim without problems. Their employees are always available and get back quickly with answers to any questions. I have my home insurance with them also. The service for homeowners insurance is just as good as Auto. I would highly recommend Safeco Insurance to anyone looking for coverage.
Since I have not ever had any accidents, my rates for insurance is reasonable and I have been pleased with the service I receive, as well as the representatives. This particular insurance company seems to be the most reasonably priced with commendable consumer ratings. I believe it's a popular and well known company. I also like that I have the option of managing my policy and payments on line.
I have only been a customer for one month, and switched from Allstate because I saved about 300/year. I have had no claims with either company so cannot compare their claims service. I have had no problems with setting up my account and am satisfied with their billing and payment options.
I have not had any problems with the company at all. I also haven't had to make any claims so there has not been any reason for me to have any issues with the company. The price is not too expensive but it has gone up a couple dollars for this current year.
Our family has used Safeco for years and we've been extremely satisfied with the level of service they provide. Not only is our agent responsive when we have a question, but Safeco as a company stands by us without hesitation. Our policy cost decreases yearly, there are no hidden fees, and it's great bundling various insurance coverages together under one company such as auto & homeowners insurance. When claims do need to be made, Safeco has always done so efficiently and without any trouble at all. Safeco certainly has made us much happier than any other insurance company we've been with in the past!
Very happy with coverage provided at a reasonable price compared to other companies. I like the option to pay in full (1 year) at a discount or in semi annual installments for a discount as well. They do also provide monthly payment option. We have had this insurance for a couple of years now and our rates continue to decrease. No accidents or tickets. We have 2 older cars (2002 & 2008) that we cover. Can pay either the agent directly or pay online.
Safeco offers a nice auto and homeowners discount. If you combine both policies together you can get a bundle discount. They also offer the lowest rate that myself and my husband have found for both auto and home insurance. We have our insurance agent check every six months and Safeco has consistently been the most reasonable price for the past year or so.
We have been using Safeco for quite a while now. We only had to file a claim once when my car got hit by another car. Everything went very smooth and quick. It is not the most affordable insurance but it is a good value and we are happy with the customer support.
I have been with Safeco for about 3 years now and have been very happy with their rates. We have made a couple claims and their representatives have been very helpful and friendly. They also respond quickly and answer any questions in a timely manner and as best their knowledge allows.
I have used this insurance for many years along with home insurance and have never had a problem. We needed a new roof on our house and the claim went through for this in less than a week. Also any changes that my insurance agent recommends is done either by phone or in person which shows this is a company that looks after its customers.
Matthew BrodskyInsurance Contributing Editor
Matthew Brodsky is an established expert on insurance, having written hundreds of articles and other pieces of content on the subject, interviewed countless practitioners, and attended dozens of conferences and events. He served as an editor at industry magazine Risk & Insurance for six years.
SAFECO Auto Insurance is a Liberty Mutual Company that provides a broad range of insurance products for vehicle and property owners. While the company has a national presence, it also employs local agents who provide services in specific states.
- Online quotes: SAFECO Auto Insurance's online quote center lets potential policyholders compare products and prices so they can choose options that match their budgets.
- Roadside assistance: Drivers with SAFECO Auto Insurance can get roadside assistance services 24 hours a day, seven days a week to make sure they are not stranded in unsafe circumstances.
- Rental cars: The company helps policyholders explore rental car options so they can still drive even when their vehicles are in repair at a mechanic shop.
- Claims center: SAFECO Auto Insurance's claims center is available 24 hours a day to take reports and provide information about pending claims.
- Credit-based insurance scores: SAFECO Auto Insurance uses each client's credit-based insurance score to measure how likely it is that the person will file an auto insurance claim.
- Best for Drivers who want insurance policies that match their budgets and drivers who want to save money.
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SAFECO Auto Insurance Company Profile
- Company Name:
- SAFECO Auto Insurance
- Year Founded:
- P.O. Box 6476
- Carol Stream
- Postal Code:
- United States