Safety Insurance Review

Safety Insurance is founded on two core principles: customer service and safety. The company was established in 1979. It is one of the leading auto and home insurance providers in Massachusetts and New Hampshire. Safety Insurance has been recognized for its financial strength, insurance technology and company performance.

Insurance for safety cars

Insurance for safety auto has excellent coverages, competitive rates and a wide range of endorsement options to provide additional protection. Each state has its own policy offering and discounts. Massachusetts drivers have the best coverage options and savings possibilities.

Types of coverage

Safety Insurance provides basic coverage in all three US states and great endorsements. These are some policy options.

  • Full coverage. Safety Insurance provides full coverage policies that include collision, comprehensive and liability coverages, as well as medical payments coverage. Because of Massachusetts’ no-fault laws, full coverage insurance includes personal injury protection (PIP).
  • Gap Insurance: gap insurance is useful for leased and financed vehicles. This option covers the difference between the car’s diminished value and its remaining loan balance if a car is torn down.
  • Safety Shield package Safety Shield is an endorsement package that is available in all three States that Safety Insurance Services provides. However, the state-specific coverages vary. This endorsement offers optional coverages, such as guaranteed replacement cost, coverage for air bags, coverage for emergency travel expenses, and other coverages.
  • Safety Shield Plus package MA: The Safety Shield Plus endorsement packages available in Massachusetts include everything in the Safety Shield Package, plus accident forgiveness, expanded pet coverage, seat belt coverage, bail bonds coverage and pet coverage.
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Insurance for safety cars

Safety’s car Insurance policies can be very affordable. Average full coverage policies cost $795 per annum, while the average minimum coverage policy costs $306 each. The average full coverage policy in the United States is $1738 per year. Each driver will pay a different rate depending on their location, zip code, age and credit score.

Average Annual Premium for Minimum InsuranceAverage annual premium for full coverage
$306$795

Quadrant Information Services, 2020

Get Discounts

Safety Insurance has a variety of discounts on car insurance that can help policyholders save money. These discounts are available.

  • Multi-policy Discount: Drivers could save up to 10% by bundling two or more policies with Safety Insurance.
  • Multi-vehicle Discount: Drivers who insure more than one vehicle under Safety Insurance (not available for ME or NH) can save up to 10%
  • 10% off for good students: Students with a ‘B’ average or higher, or who are on the Dean’s List, Honor Roll or Dean’s List, can get 10% off their policies.
  • Students away at school discount: Parents can save 10% on student’s insurance premiums if they live at least 100 miles from their home.
  • Discount on Electronic Policies: Drivers who buy a policy online may save as much as 7% on their insurance premium
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Home insurance for safety

Safety Home insurance provides affordable, reliable coverage for single-family homes. There are many endorsements that can be added to the standard coverage offered by the company. If homeowners are eligible, there are multiple discounts homeowners can use to lower their premium.

Types of coverage

Here are some home insurance coverage options that Safety Insurance offers. However, coverages can vary from one state to the next.

  • Standard coverage: Home insurance policies provide coverage for the dwelling, personal property, liability and medical payments.
  • Safety Supreme package This package provides replacement cost coverage for personal and dwelling property, 150% coverage for building replacement costs, all-risk contents coverage, increased limits on valuables, personal injuries coverage, $100,000 additional liability coverage, ordinance coverage, and sewer/water backup coverage to the maximum of $2,000.
  • Supreme Plus package This package offers everything in the Safety Supreme package plus guaranteed replacement costs, sewer/water backup coverage of up to $5,000, and service line coverage to up to $10,000
  • Safety Complete package. This package provides replacement cost coverage for dwellings and personal property. It also includes guaranteed replacement costs coverage.
  • Home Cyber Protection endorsement. Identity theft protection includes losses due to compromised data on personal computers and smartphones, as well as smart home devices.
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Get Discounts

Customers with Safety Insurance may be eligible for several discounts that could potentially save money on their home-insurance policy.

  • Multi-policy Discount: Homeowners could save up to 20% by bundling two or more policies with Safety Insurance.
  • Discount on Electronic Policy: Homeowners get a 5% discount when they buy an online policy.
  • New Home Discount: Homeowners can receive a credit up to 15% for insuring a new property.
  • No-loss discount: Homeowners without any insurance claims can get up to 16% off their policy
  • Home with a burglar alarm or fire alarm can receive a discount up to 16%

Why Safety is a Good Option

Massachusetts residents who are eligible for safety insurance may find it a great option. The company offers insurance in New Hampshire, Maine and Massachusetts. However, Massachusetts residents cannot access the same comprehensive coverage options or discounts as Massachusetts residents. Safety offers excellent endorsements and affordable policies for Massachusetts drivers. They also offer great customer service.

If you live in the area covered by home insurance Safety is a good choice. You have a wide range of endorsement options to choose from. Each package offers a unique and generous level of protection and discounts that will help you save money.

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Safety ratings, reviews and customer satisfaction are all available.

The safety insurance reviews are good. J.D. Power’s 2020 U.S. Auto Insurance Study, Safety Insurance is rated 787/1,000 for overall customer satisfaction in the New England region. In J.D. J.D. has not rated Safety’s home insurance offerings. Power.

OrganizationSafety insurance rating
J.D. J.D.787 / 1,000
AM BestA
Better Business Bureau (BBB)A+
NAIC Company Complaint Index1.85 (higher than the average number of complaints)

With an A rating from AM Best, the company’s financial strength is excellent. Safety Insurance has an A+ rating from the Better Business Bureau. The NAIC Company Complaints Index has reported that Safety Insurance has more complaints than the average.

Safety offers additional policies

Safety offers these policies in addition to homeowners and auto insurance:

  • Dwelling fire insurance
  • Personal umbrella insurance
  • Commercial auto insurance
  • Insurance for business owners
  • Commercial umbrella insurance
  • Only for commercial package policies (MA only).
  • Billing information insurance

Questions frequently asked

How do I get a Safety quote?

Safety will provide a quote if you contact an agent in your local area. Your name, address, birth date, and social security number will all be required. You will need information about your car, such as the VIN, year and make, in order to get auto insurance. You will need to give information about your home, such as the year it was built, its square footage, any special features, and the condition of its roof. You will need to specify the type of coverage and how much.

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How can I file a Safety claim?

Safety claims can be made online, via the mobile app, or by phone with an agent. Include your policy number, a description, photos or video evidence of damage, and contact information for any other parties involved in the claim.