Auto Insurance
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Get to know your auto coverage options
Coverage
Real-life scenario
Standard
Optional
Save money with Safeco's safe driving rewards
Accident Forgiveness
Claims-Free Cash Back
Diminishing Deductible
Get rewarded for safe driving with RightTrack®
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Common auto insurance questions
1Coverage requirements vary by state.
2Minimum requirements vary by state.
3Optional endorsement. Applies to a covered total loss. Your car must be less than one year old, have fewer than 15,000 miles, and have had no previous owner. Does not apply to leased vehicles or motorcycles. Subject to applicable deductible. Availability may vary by state.
4Rental Car Reimbursement is provided under the Loss of Use optional coverage. Elected rental car coverage daily limits will apply. Damage must be a covered loss. Payment will be limited to that period of time reasonably required to repair or replace the auto (or your policy limit, whichever comes first). May vary by state.
5Accident Forgiveness is subject to terms and conditions of Safeco's eligibility guidelines. Not available in CA, and may vary by state.
6Safeco will review policies twice a year. In order to receive the reward, customers must have no AT-FAULT claims reported to the Safeco policy system in the prior six months. For the purposes of this review, we will not consider the following: claims for which you are not at fault, as determined by us; at-fault claims that fall under the current threshold for surcharging; and Comprehensive-only claims. Customers with a late payment that is outstanding on the day the policy is reviewed will not receive the reward. Cash back amount is calculated based on policy term written premium as measured at the time of the claims-free review. Available to 12-month Superior and Ultra Safeco auto policies. Not available in all states. Terms and conditions apply.
7Diminishing Deductible available only with certain coverage endorsements when collision coverage applies to your policy. Limitations apply. Not available in all states.
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9Insurance ID cards are permitted in most states; however, some states do not permit the use of Mobile Insurance ID cards as proof of insurance.