Safety Insurance Company, a Boston-based company, offers homeowners, auto, and other insurance products to select New England states. It was founded in 1980. Safety Insurance is a good choice if you are a Massachusetts resident, New Hampshire, or Maine resident and want personal attention.
Safety auto insurance received 4.5 stars from 5 overall for performance. Our editorial team determines NerdWallet’s ratings. The scoring formula considers pricing and discounts, filing claims quickly, website transparency, financial strength, and complaint data from National Association of Insurance Commissioners.
Insurance coverage for car accidents.
When you’re shopping for car insurance, it’s important to understand what car insurance coverage you want and what you’re required to buy. Although minimum coverage requirements may vary from one state to the next, most states require you to have car insurance in order to drive a car. This usually includes liability insurance as well as coverage for uninsured or underinsured motorists.
If you want extra protection, you may be interested in full coverage insurance. Full coverage doesn’t mean you have to buy a particular policy, but rather, a combination or types of coverage like comprehensive, collision, and liability insurance.
Below are the most popular types of car insurance coverage.
In addition to standard types of auto insurance such as comprehensive, collision and liability coverage, Safety also offers optional coverage, including:
Safety Shield. This package may offer additional coverage depending on the state you live in. It may include glass coverage, a waiver or collision deductible, guaranteed replacement costs, road travel expenses, personal property coverage and coverage for personal effects.
Safety Shield Plus. This package is only available in Massachusetts and includes all the Safety Shield packages plus accident forgiveness, extra coverage for personal items, seat belt coverages, bail bonds, and coverage for pets that are injured in an accident.
Gap coverage. If your car is stolen or totaled, this optional add-on will cover the difference between the car’s actual value and the remaining balance of your loan or lease. To buy gap insurance, you will need to have comprehensive and collision coverage. This covers the car’s actual value.
Safety’s auto insurance discounts can vary from one state to the next, but could include:
- Accident-free discount.
- Multiple-car discount.
- Discount for multiple policies
- Good student discount.
- Loyalty Discount
- Students away from school get a discount
- Drivers who receive their policy electronically will get a discount
- Drivers who complete a crash prevention course receive a discount
- Use the Drive with Safety app to get a discount
Guide to buying auto insurance
Before you can compare car insurance companies, it is important to gather basic information. This includes the driving record of all the policyholders, facts about your vehicle, and safety features. It is important to determine the type of coverage that you require. For example, do you want only the bare minimum insurance that your state requires, or do you need more extensive coverage, such as gap insurance or rideshare coverage? Make sure you are aware of the options available to you from each company.
Compare rates between insurers to ensure that they offer the same coverage limits as deductibles. It is possible to make a decision based solely on the price. You should look at the number of complaints that each company has. These can indicate how high quality you might get.
You may be able buy insurance online, by phone, or through an agent, depending on the company you choose. For more guidance, see how to get car insurance.
Insurance for homeowners who are at risk
Safety Insurance provides standard coverage for homes, condos, and apartments. It also covers damage from fire, windstorms and theft.
Massachusetts and New Hampshire residents also have safety protection, which includes coverage for damaged software, compromised data, and other issues related to technology.
Optional upgrade packages like:
Safety Supreme provides higher coverage limits for silverware and jewelry, as well as an additional $100,000 of liability coverage. You also get replacement cost coverage for your home or personal belongings. This covers the cost of replacing stolen or damaged items, not just the estimated value.
Safety Supreme Plus includes all the Safety Supreme packages, plus additional water and sewer backup coverage. Service line coverage is up to $10,000. The package includes guaranteed replacement cost. This will cover the entire cost of rebuilding your home, even if your policy limits are exceeded.
Safety Supreme Complete includes all the benefits of the Supreme Plus package, including identity theft reimbursement, higher limits on water and sewer backup, as well as coverage for business property. You can also get up to $50,000 for appliances such as your fridge or HVAC system that fail.
Safety’s home insurance discounts can vary from one state to the next. They may include:
- Multiple policy discount.
- Homeowners who receive their policy electronically will get a discount
- Credit for new homes
- Loyalty credit
- Credit for burglar alarms or fire alarms
Customer satisfaction and safety insurance complaints
According to the National Association of Insurance Commissioners, Safety received fewer complaints than expected for homeowners and auto insurance.
Learn more about Safety Insurance
Website: Although users can log in to their accounts to file claims through Safety Insurance’s website, there is no way to obtain an online quote. Nor is the coverage information as accurate as it could be. Website does not offer a search tool for agents, discounts information or answers to frequently-asked questions.
Mobile: Safety’s app allows you to file a claim and find an agent. You can also view your insurance card, pay your bills, and manage your account.
The Drive with Safety app can help you get a discount on auto insurance. It tracks driver behavior, such as speeding and hard braking, and helps you to save money.
