Auto Insurance Features and Coverage Options

Be Prepared for What’s Around the Bend

Your standard Safeco car insurance policy provides essential liability protection and other coverages required by law. It includes coverage if your car is involved in an accident while being driven by your or someone else. To enhance your policy with extra protection for damage, emergencies, repairs and personal property, you can choose additional coverage options. Your local Safeco agent can offer personal advice about product availability in your area and how much coverage is right for you.

What Makes Us Different

Reimbursement for First Aid

All Safeco auto policies include up to $10,000 in coverage for reimbursement of first aid administered to others after an accident.

Accident Forgiveness

Every Safeco auto policy qualifies for accident forgiveness after a set number of years of accident- and violation-free driving. Talk to your local Safeco agent to find out more.

Diminishing Deductible

Remain claim-free and we’ll reduce your collision deductible by $100 with each annual policy renewal, for up to a maximum of $500 or five years.

Full Coverage Protection

Comprehensive

Helps pay for repairs or to replace your car if it is stolen, vandalized or damaged in some way other than in a collision. Includes loss or damage from fire, flood, falling objects, wind, hail and collision with an animal.

Collision

Helps pay for repairs to your car for damage caused by an accident.

Popular Coverage Options

Build Your Own Auto Insurance Policy from Our Many Coverage Options

Have peace of mind knowing you're better prepared for the unexpected. Our many auto insurance coverage options vary from state to state. Talk to your local Safeco agent to get the best combination of coverage, value and price and for personal advice on which coverage options are right for you.

Roadside Assistance

For only pennies a day, Roadside Assistance covers towing to the nearest qualified repair shop and other basic emergency services. Safeco Roadside Assistance will help you change a flat tire, deliver gas, oil or other essential fluids like radiator and brake fluid, jump start your battery and send out a locksmith if you’re locked out of your car.

Rental Car Reimbursement

Get help paying for the cost of renting a car while yours is in the shop being repaired after a covered loss. Rental car reimbursement is a type of loss of use coverage.

Car Insurance – What’s Required in Most States

Car insurance requirements vary by state. In most states, you are required to have both bodily injury and property damage liability insurance. Some states require coverage to help pay hospital bills and medical expenses for you and your passengers related to injuries from a car accident, no matter who is at fault. Some states require that you protect yourself from uninsured or underinsured motorists. Ask your local Safeco agent for personal advice about making sure you’re adequately covered. 

Bodily Injury Liability

Helps pay for bodily injury expenses, like hospital bills and medical care, that you may be held responsible to pay if you cause an accident that injures another driver or another car’s passengers. 

Property Damage Liability

Helps pay to fix someone else’s vehicle you’re held responsible for damaging in an accident.

Car Insurance - Required in Some States

Personal Injury Protection (PIP) and Medical Payments (Med Pay) 

Helps pay for hospital bills and medical care expenses for you and your passengers if you’re injured in an accident, no matter who was at fault. Some states require personal injury protection. If it’s not required where you live, you can always choose to add it yourself. 

Uninsured and Underinsured Motorist (UM/UIM)

Pays for damages you are legally entitled to recover from a driver without liability insurance or a hit-and-run driver or for an amount that exceeds an at-fault driver’s insurance limits. In other words, it covers you when the other guy doesn’t have enough or doesn’t have any insurance to pay you for damage repair or your medical bills. If it’s not required where you live, you can always choose to add it for your own protection.

Even More Coverage Options

Emergency Assistance Package

Includes all the benefits of Roadside Assistance plus adds coverage up to $100 for expenses and up to $500 for meals, lodging and transportation if you’re involved in an accident more than 25 miles away from home. Also includes coverage for personal belongings damaged in an accident or stolen from your car.

Loan and Lease Coverage

If your car is declared a total loss because of an accident or theft, loan and lease coverage, helps pay for a possible difference between how much is left on your loan or lease and the depreciated street value of your car. Sometimes called Guaranteed Auto Protection or GAP.

Electronic Key and Lock Replacement

If your electronic keys are lost or stolen, we’ll replace them – along with any remote control pads and locks – at no extra charge and with no deductible applied.

CD and DVD Replacement

Get coverage for damaged or stolen audio-visual media like your CD, DVD, videotape, cassette or record collection.

New Car Replacement

If you’re the original owner of a car that is less than one year old that has been totaled or stolen, we will pay you the value of a comparable new car.

Audio-Visual and Custom Equipment Coverage

Protects your audio, visual and custom equipment that was not installed at the factory or dealership. Audio-visual systems and equipment, like a stereo or DVD player must be permanently installed. Custom equipment includes any part that modifies the appearance or performance of your car or truck like a modified or custom engine, roll bars and lift kits, custom wheels, murals and decals.

Pet Coverage

We’ll help pay for veterinary expenses or death benefit if your cat or dog is injured or dies in a collision,.

Personal Property Coverage

Get reimbursed for personal belongings that are damaged in an accident or stolen from your car.

Please note: Not all coverage options available in all states. Some options must be purchased with others. Talk to your local Safeco agent to find out more.

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© 2014 Liberty Mutual Insurance, 175 Berkeley Street, Boston, Massachusetts, 02116

Insurance is offered by Safeco Insurance Company of America and/or its affiliates, with their principal place of business at 175 Berkeley Street, Boston, Massachusetts, 02116. This website provides a simplified description of coverage. Nothing stated herein creates a contract. All statements made are subject to the provisions, exclusions, conditions and limitations of the applicable insurance policy. Please refer to actual policy forms for complete details regarding the coverage discussed. If the information in these materials conflicts with the policy language that it describes, the policy language prevails. Coverages and features not available in all states. Eligibility is subject to meeting applicable underwriting criteria. 36 USC 220506