Safety Insurance Car Insurance
3.2
Safety Insurance Car Insurance Information
| Insurify Composite Score | -- | Number of discounts | 6 | Number of reviews | 26 | User Rating | 3.2 | A.M. Best |
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Standard & Poor’s |
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Discounts
The largest discounts from Safety Insurance are: Multiple Policy Discount, Good Driver Discount, Good Student Discount
| Discount Type | Discount % |
|---|---|
| Multiple Policy Discount | Varies |
| Good Driver Discount | Varies |
| Good Student Discount | Varies |
| Student Away at School Discount | Varies |
| Multiple Vehicle Discount | Varies |
| Loyalty Discount | Varies |
Payment Methods
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Mail Payment
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Online Payment
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Phone Payment
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Bank Payment/Direct Deposit
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Credit Card Payment
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Debit Card Payments
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Automatic Online Payment
Features and Services
Safety's insurance agents are available for claims support 24 hours a day, 7 days a week at their toll-free number: (800) 951-2100
Customers can manage their payments, policy, claims, insurance ID cards online or with the Safety mobile app. Both platforms also allow policyholders to contact an agent.
Safety offers a VIP Claims Centers Program which provides its customers with a complete, one-day claims and repair service at one of its designated claim centers. After an accident, Safety will transport drivable vehicles to a center for damage review and appraisal writing. Safety will then bring the vehicle to a repair shop in its Safety Repair Network.
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Online account management
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Mobile app
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Accident forgiveness
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Roadside assistance
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Flexible / convenient payments
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Enhanced towing & substitute coverage
Optional Coverage
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Accident Forgiveness
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Gap Insurance
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Roadside Assistance
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Personal Auto Plus
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Personal/Upgraded Item Coverage
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Pet Coverage
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Emergency Assistance Coverage
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Glass Coverage
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Extended Coverage
SR-22 Insurance by State
Safety Insurance Insurance Products
Car Insurance
Safety’s auto insurance policies will cover bodily injury and property damage to others, no-fault personal injury coverage for your vehicle's occupants, and physical damage coverage for your own vehicle for collisions or other perils.
Available coverages and discounts may vary by state, but will most likely include:
- Safety Shield: A broad coverage enhancement for your Safety auto insurance policy that includes:
- Disappearing Collision Deductible
- Rental Vehicle Loss of Income Coverage
- Guaranteed Replacement Cost
- Personal Effects
- Emergency Road Travel Expenses
- Supplemental Towing and Labor
- Airbag mechanical failure
- Extended Substitute Transportation (vehicle rental)
- Safety Shield Plus: Coverage enhancement that includes everything from the Safety Shield plan as well as:
- Accident Forgiveness
- Expanded Personal Effects Coverage
- Pet Coverage
- Seat Belt Coverage
- Bail Bonds
- Auto Loan/Lease Gap: Safety will pay any unpaid amount due on the lease of finance loan of your vehicle if it is deemed a covered, total loss.
Home Insurance
Safety offers a variety of home insurance coverages and their independent agents will make sure there aren’t any gaps in your protection for your home and your possessions.
Available coverages and discounts may vary by state, but will most likely include:
- Typical home insurance coverage (HO3):
- Damage: Your home and personal property are protected against fire, lightning, frozen pipes tornado, hail, and windstorms. Also covered are losses caused by vandalism, theft, riot and any flooding caused by indoor plumbing or air/heat conditioning systems.
- Dwellings: In addition to your house (referred to as the “dwelling”), any structures on your property, such as the garage, are covered.
- Contents: All contents, personal belongings, and electronics stored inside your home are covered. However, if your personal possessions include expensive jewelry or art, you might want to purchase additional floater coverage for those items if their replacement costs are higher than your coverage allows.
- Liability: You are covered for bodily injury or property damage whether you are negligent or not. Other home insurance coverage characteristics include medical payments to others up to a specified amount. “Medical payments” is designed to cover small medical bills while protecting you and your insurance company from potential lawsuits.
- Other structures: Other structures covered include fencing around your property and detached buildings such as a barn, shed, or pool house. Depending on your coverage, other structures might not be covered at 100 percent replacement value.
- Uninhabitable: Should your home become uninhabitable and you are forced to live somewhere else during repairs, this situation is called “loss of use” and is included in most home insurance coverage. Limits for this expense depend on your policy.
Safety Insurance also offers enhanced homeowner coverage plans:
- Safety Select, Supreme, Supreme Plus and Complete
- Safety Condominium Unit-Owners Enhancement and Edge Enhancement
Umbrella Insurance
Safety offers personal excess liability coverage with limits of $1,000,000 to $5,000,000 over and above the limits of individual automobile, boat, and homeowners insurance policies.
Safety will give their customers a five percent discount when you combine your umbrella policy with your auto or home insurance policy.
Business Insurance
Safety offers business owner insurance policies that provide comprehensive, liability, and property coverage for many risks, such as business interruption from a covered loss.
Equipment breakdown coverage is automatically included, as well as additional options for truly customizable coverage.
Safety serves small- and medium-sized commercial accounts with a program that covers:
- Apartments and residential condominiums
- Mercantile establishments, including restaurants
- Offices, including office condominiums
- Processing and services businesses
- Special trade contractors
- Wholesaling businesses
Employment Practices Liability Insurance (EPLI) covers companies against lawsuits filed by employees, former employees, and employment candidates. This kind of policy can only be purchased as an added coverage under a Business Owner Policy (BOP).
Dwelling Fire Insurance
Safety offers property and liability coverage for non-owner occupied one or two-family residences in Massachusetts, New Hampshire, and Maine.
When you combined dwelling fire insurance with your auto insurance policy, Safety will grant you a five percent discount.
Commercial Insurance
Safety’s commercial automobile insurance covers vehicles used for business purposes, including business-owned private passenger vehicles, trucks, tractors and trailers, and fleets of vehicles.
These policies provide coverage for bodily injury and property damage to others, no-fault personal injury coverage, and physical damage coverage for your vehicle(s) for collision or other perils.
Safety Insurance offers a variety of commercial policy forms and limits of coverage that can be customized to offer more protection than a standard policy.
FAQs - Safety Insurance Car Insurance
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Company History
Safety Insurance was founded in 1979 in Boston, Massachusetts and remains a preferred provider of auto, home, and business insurance.
Safety provides insurance to residents of Massachusetts, New Hampshire, and Maine and has strong working relationships with 899 independent insurance agents in 1,120 locations.
Safety is currently the third-largest private passenger auto insurance carrier, the second-largest commercial auto carrier and the fourth largest homeowner carrier in Massachusetts.
In addition to private and commercial car insurance, Safety also offers commercial insurance products including business owner policies and commercial umbrella policies.
Safety Insurance also partners with Safe Roads Alliance and In Control Crash Prevention to keep customers informed about driver safety and experience.
Safety Insurance Reviews
Most Helpful Review
We had a basement flooding issue that was covered under our insurance policy. The claims agent generated the damage assessment and repair work costs, and provided info on the mitigation services to remove mold/water/ and do repair work. They set those charges up independently of our actual damage recovery costs and we had written and email validation of the claims. They paid out our damage items recovery claim, but did not pay the mitigation company, and told them that had to come out of our item recovery payment - clearly not what the written documents or our email discussions had documented what would happen. They tried to scam me and lied about over and over again. I kept the written records, the phone records and the email trails that showed they were dishonest and scamming me throughout this process of the mitigation company trying to get paid for their work over a month (they kept sending us the direct bills and asking us to pay for it). After their email trail and the written documents I had from the claim uncovered all the lying, they finally agreed to pay the mitigation company and claimed it was just an honest mistake on their part. I have the complete email trial that shows they were dishonest and trying to scam me and not meet their written commitments. Really disgusting and unethical behavior on the part of Safety Insurance. They knew full well what their committments were and simply tried to not abide by them and have us pay for repair work that they had agreed to pay separately. I guess its not surprising that an Insurance Company would try and scam their customers, but be wary, cause this one did it to me before they got caught in their dishonesty.
Most Recent Review
April 5, 2007
I mainly interacted with my insurance agency, Thomas A. Cocco Insurance (Maynard). I attribute the ease of handling my claim to the knowledge of the agency's staff and their interest in helping the customer. I expect no premium changes as I was not at fault, but I'll find out when the policy comes up for renewal.
May 3, 2018